vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Good morning. Back in  XXXX  I became unemployed and was experiencing difficulties in making my mortgage payment. I attempted to modified my mortgage on various occasions with my mortgage company. Finally in   XXXX   XXXX   XXXX   they offered me a " streamline  XXXX   XXXX  and I started making payment of {$670.00}. Later they stated that I did not qualify. I applied to to modify again in   XXXX   XXXX   and was granted  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .     The problem I am having is as follows :  1 )  Every year since  XXXX  my escrow account is short by a significant amount of money. They spread the shortage over a period of  XXXX  years. I call for explanation each and every time I receive the notices they can never provide me with a straight answer. I an aware that my escrow account can vary depending on my taxes & insurance. However I have reviewed my taxes & insurances and the increase over the years have not been so high.      2 )  When I modified in   XXXX   my unpaid principal balance was {$86000.00}, and my  XXXX  was {$640.00} with a maturity date of   XXXX   XXXX   XXXX  . In signing the documents they include a " Balloon Payment Disclosure '' of {$51000.00}. I called and asked if this was in addition to my original principal balance of {$86000.00} they said NO. It would not of made any sense for me struggling to pay {$86000.00} to incur an additional {$51000.00}. I have even requested a payoff to make sure that this amount is not part of my balance. In addition my husband called mortgage company on   XXXX   spoke with rep ID #  XXXX  and he stated again that he does not see any balloon payment on our loan. My greatest fear is to LOOSE my home which I have been struggling to pay because of my mortgage company mishandling our account.     If you can please HELP me with these issues as every time I reach out to my mortgage company I get a rep that does n't have a clue and are unable to clearly explain solutions to my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX    XXXX   XXXX   Opened  XXXX   XXXX ,  XXXX  {$170.00} Original creditor :  XXXX    XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of  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 2017-05-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX   XXXX   XXXX   Opened   XXXX   XXXX   XXXX   {$170.00} Original creditor : 01   XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
My wife purchased clo thes from   Macy 's and  we never received the bills until a paper bill was sent after the card was 90 days past due. They charged us over {$100.00} in late fees and other interest charges. I called to inform that they

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 2017-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
I have been having constant problems wit h Nation Star  mortgage for the past year but most recently when their " dedicated loan  specialist  '',  XXXX   XXXX  put me on a repayment plan beginning in  XXXX  of  XXXX . This repayment plan was supposed to end in  XXXX  of  XXXX . The payments were scheduled for {$1600.00} each month. The first month of  XXXX   XXXX , I made a payment for more than the asked amount for {$2200.00}, then I fulfilled  XXXX  through  XXXX  for the asked amounts of {$1600.00}. The payments were all made on time and the repayment plan was fulfilled. I was told by  XXXX  on  XXXX   XXXX ,  XXXX  when I made the last payment that my credit report would show current for the month of  XXXX  and moving forward I would have scheduled payments of {$2100.00}. Now  XXXX   XXXX  is stating the repayment plan was set up incorrectly which is no reflection of me. This is  all Nation Stars fault and error. I find it hard to believe that after five months of payments that I fulfilled, they are no w finding an error! This should have been found on the very beginning. They are now stating I owe so much more money and they need to fix their error, whether the bank takes care of it or  XXXX   XXXX . The money should be payed through the bank because it is their major error. I want to be shown current a s Nation Star stated  and I want their monetary error fixed through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
Continued attempt to collect debt not owed. I do n't owe any medical bills and had   XXXX   on the date this collection opened. I have disputed this information prior and this error continues to be reported inaccurately on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: MI

Complaint narrative:
A {$500.00} loan. They debit weekly {$84.00} starting on the  XXXX  ( a week after receiving ),  XXXX  payment bounced so I paid {$200.00} today. So I 've paid {$360.00} and still owe {$380.00}. The fees are illegal in michigan. They are accruing weekly what should be monthly.     They debit weekly and charge fees weekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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 — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT

Complaint narrative:
Chex systems received a LEGAL Notarized BANK affidavits the Certified Receipt shows Tracking Number : XXXX XX/XX/XXXX DELIVERED to them disputing XXXX and XXXX bank under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Chex systems to Provide physical verification of the original signed consumer contract. <P/>I demanded from Chex systems to see Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY the Certified Return Receipt shows XXXX sent to me XX/XX/XXXX. UNDER the FCRA they are Now REQUIRED to REMOVE BOTH XXXX and XXXX under federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XXXX   XXXX   XXXX   " reaged '' an existing debt I had with  XXXX  on a repossessed vehicle. They are showing that the repossession happened this year when it was in fact years ago. I have had no contact with this company, nor have I agreed to pay anything towards this debt so the account legally can not have the clock restarted, so to speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In  XXXX   XXXX , we filed a complaint with the  Consumer Protection Agency  against  Ocwen  Mortgage. The  CPA t ook the case and got involve d ( CFPB Case No.   XXXX  ). On   XXXX   XXXX   XXXX  , we received a letter from Ocwen, who finally admitted to a bookkeeping error on their part. They had missed a payment that we made in  XXXX  of  XXXX  and were reporting for over  two  years that our payment was late and were charging us late fees. We thank the  XXXX  for their help. Unfortunately, this problem still persists. We sold the home that this loan was connected to on    XXXX   XXXX   XXXX    and the loan with Ocwen was subsequently paid off. I have copies of all documents relating to this loan payoff. In Ocwen 's   XXXX   XXXX   XXXX     letter they state that they are going to contact  XXXX  and  XXXX  to fix our credit report. I know you will not be shocked to find out that they did n't do it. Not only that, they have not report to the credit reporting agencies that the loan has been paid off.  XXXX  's credit report still shows an open loan to Ocwen in the amount of $  XXXX . We recently applied for a loan with  XXXX   XXXX   XXXX  Bank and were rejected because of the  Ocwen  mark on the credit report. I have tried to reach out to Ocwen to get them to fix this once more and have gotten no where with it. I am begging you to please intervene on our behalf once again to get this fixed. This error is ruining  XXXX  's credit and hindering us from getting a loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I called the company SCA collections and asked them to update the credit report and they have not yet. Please help me to get this resolved and removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CARD Corporation
State: NJ

Complaint narrative:
I lost my card, someone took  XXXX  $ off my card, called my card in lost. They stated to me that I had to send in a depute form, & a address change, I finally got my card after a whole month of them saying the documents I sent was a erro because they could not see it, finally after the  3rd  time of me spending it they sent out a new card. Now they are saying because they did not see the depute form in 10 days that I will have to wait  45-90 to  hear if I will get my money back, mind you I sent it to them more then two times. So how is it my fault if they could n't see it & they never respond to me saying it was a problem I had to call them to check on it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (FL)
State: GA

Complaint narrative:
On  XXXX   XXXX , I contact AR Resources  ( Add ress :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , PA  XXXX  Phone : (  XXXX  )  XXXX  ) to request documentation regarding  XXXX  charges they posted to  XXXX ,  XXXX , and  XXXX . I did, however, provide the  XXXX  account numbers appearing my credit report, and the agent stopped me after the  XXXX  digit and confirmed the account numbers are not real. I responded, then why is AR Resources provided fake account numbers to the credit bureaus, me, and everyone else with access to my credit file, and I was informed that they would not discuss the matter with me unless divulge my full social security number. The rep told me they already have it anyway because that is how they were able to post the accounts to the credit bureaus, and I told him, I do not think it is proper for me discuss anything without ( a ) an explanation in hand on what I am being charged for and why, ( b ) and that I personally aware of how things can be reported with inaccurate socials, DOB, and names.     I also informed them that the debt was covered under a  Letter of Protection accepted by the original creditor, and I am in constant communication with  my attorney who has not informed me that my case is closed, or of his unwillingness to continue representing me.     Additionally, health insurance was provided at my initial visit to the actual creditor :  XXXX   XXXX   XXXX  and  XXXX  (  XXXX  ). Neither  XXXX , or AR  Resources  attempted to contact me regarding the debt, though my address and phone numbers are in my credit file, and the date of service was actually in  XXXX , but they are falsely indicating that the account open date is  XXXX / XXXX / XXXX .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
That my wife and I are victims of predatory lending practices, and naive/gullible targets of   XXXX   home mortgage scams. The unscrupulous methods of lenders compelled us to file chapter  XXXX  bankruptcy that ultimately lead to our property put on short-sale/foreclosure.   In addition, the property is no longer in our possession and has been physically occupied by Carrington Mortgage services of  XXXX , California.  Carrington  Mortgage has been lackadaisical in dealing with entire issue especially getting our names off the deed. Such that utility companies and home association stop sending bills for utilities some of which already been turned over to collection agencies destroying our good credit.   In the past year or so,  Carrington  employees  (   XXXX   XXXX  or  XXXX   XXXX   XXXX  ) have been contacted by phone, email and fax and advised to have our names removed from deed. Also utility bills have been forwarded from time to time and they instructed to have home insurance updated in the company name.   Utility companies and their collection agencies advised to forward future bills to Carrington for direct payment.   Since Carrington also broke into the property,  XXXX   XXXX  sheriff office was also made aware of the development

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In  XXXX   XXXX , we filed a complaint with th e Consumer Protection Agency  against   XXXX   XXXX  . The  CPA  took the case and got involve d ( CFPB Case No .  XXXX  ). On  XXXX   XXXX ,  XXXX , we received a letter from  XXXX , who finally admitted to a bookkeeping error on their part. They had missed a payment that we made in  XXXX  of  XXXX  and were reporting fo r over two ye  ars that our payment was late and were charging us late fees. We thank the CPA  for their help. Unfortunately, this problem still persists. We sold the home that this loan was connected to on  XXXX   XXXX ,  XXXX  and the loan with  XXXX  was subsequently paid off. I have copies of all documents relating to this loan payoff. In  XXXX  's  XXXX   XXXX ,  XXXX  letter they state that they are going to contact Equifax and  XXXX  to fix our credit report. I know you will not be shocked to find out that they did n't do it. Not only that, they have not report to the credit reporting agencies that the loan has been paid off.  XXXX  's credit report still shows an open loan to  XXXX  in the amount of $  XXXX . We recently applied for a loan wi th    XXXX   XXXX   XXXX   XXXX   and were rejected because of the  XXXX  mark on the credit report. I have tried to reach out to  XXXX  to get them to fix this once more and have gotten no where with it. I am begging you to please intervene on our behalf once again to get this fixed. This error is ruining  XXXX  's credit and hindering us from getting a loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In  XXXX   XXXX , we filed a complaint with the  XXXX   XXXX   XXXX  against  XXXX   XXXX . The  XXXX  took the case and got involved  ( CFPB Case No .  XXXX  ). On  XXXX   XXXX ,  XXXX , we received a letter from  XXXX , who finally admitted to a bookkeeping error on their part. They had missed a payment that we made in  XXXX  of  XXXX  and were reporting for ove r two years that our payment was late and were charging us late fees. We thank the CPA fo r their help. Unfortunately, this problem still persists. We sold the home that this loan was connected to on  XXXX   XXXX ,  XXXX  and the loan with  XXXX  was subsequently paid off. I have copies of all documents relating to this loan payoff. In  XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  letter they state that they are going to contact   XXXX   and Experian to fix our credit report. I know you will not be shocked to find out that they did n't do it. Not only that, they have not report to the credit reporting agencies that the loan has been paid off.  XXXX    XXXX   credit report still shows an open loan to  XXXX  in the amount of $  XXXX . We recently applied for a loan with  XXXX   XXXX   XXXX    XXXX   and were rejected because of the  XXXX  mark on the credit report. I have tried to reach out to  XXXX  to get them to fix this once more and have gotten no where with it. I am begging you to please intervene on our behalf once again to get this fixed. This error is ruining  XXXX    XXXX   credit and hindering us from getting a loan. Thank you.

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 2017-05-12 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: FL

Complaint narrative:
I wrote Experian a dispute letter on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  and they have failed to se nd ONE Response letter. FU RTHERMORE, they have stopped providing me reports on my credit monitoring. I ca n't even see my Experian report anymore after I disputed with them. Sounds like they are punishing me for disputing their incorrect information!

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 2017-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech is the servicer on my mortgage loan. I have not had an escrow account in years. I paid my  taxes in full the end of  XXXX  for the full year of   XXXX  . Ditech sent me a statement on  XX/XX/XXXX  and attached an escrow account and billed me for it. By law they are not allowed to do this unless I am delinquent on taxes or insurance. I am not. My mortgage payment on my loan terms is {$640.00}. I have automatic withdraws on my bank account and they are taking {$970.00} a month. I called on     XXXX   XXXX   XXXX     when I realized what happened. I spoke with  XXXX  in the  Tax Dep artment. She said it would be corrected in  5-7 days. S he admitted that they made a mistake and paid  XXXX   county  my taxes for   XXXX  . I faxed them on the same day proof I paid my taxes to  XXXX . I received confirmation they received this. In   XXXX  , they charged me the correct amount of {$640.00}. On  XX/XX/XXXX  I called again and spoke with a  manager  named  XXXX . These calls are recorded by the way. She said there were waiting for a refund from  XXXX  county before the refunded my money and quit charging me for an escrow account. She mentioned it was their mistake as well. However,   XXXX   and   XXXX   they took {$970.00} again. I called back on   XXXX   and spoke with  XXXX   XXXX  in the tax department of  Ditech a nd his  manager   XXXX . They both promised it would be resolved in a few days as well. Now they are taking {$810.00} out of my account. This is the  XXXX  month that I 've had to take an hour out of my day to call and try and get them to stop taking my money. This is illegal and it 's not my fault that they made a mistake and paid my taxes. My loan terms clearly state that I do not have an escrow account. I 'm frustrated, want my money back with interest and want them to stop taking money from my bank account illegally. I can n ot imagine how many other people they have done this to. I 'm sure I 'm not the only one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
The company  Commonwealth Financial  ;   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , PA  XXXX  has listed  six  collections in the amount of : {$92.00} ; {$270.00} ; {$470.00} ; {$210.00} ; {$210.00} ; {$210.00} on my credit report. Please be advised that I am disputing these collections due to the fact that  Commonwealth Financial  does not currently have a valid license in Florida to collect on debts. This is information, according to the Florida  Office of Financial Regulation ;   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . It states that their license is " REVOKED/VOIDED.

Company response to consumer: Closed with explanation