vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
THE HOME DEPOT DECREASED MY CREDIT LIMIT AND THEN CHARGED ME AN OVER LIMIT FEE ON MY BALANCE I HAVE WRITTEN THEM SEVERAL LETTERS AND THEY FAILED TO ANSWER SO I WROTE ANOTHER LETTER STATING I WAS CLOSING MY ACCOUNT AS THEY DID NOT RESPOND TO MY LETTERS.I CUT THE CARD UP AND SENT IT TO THEM AND THEN THEY CHARGED ME ANOTHER OVER LIMIT FEE

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 2017-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS

Complaint narrative:
In XXXX XXXX, my mortgage was sold to Carrington Mortgage Services , LLC from XXXXXXXX XXXX. At about the same time, I filed for Chapter XXXX bankruptcy, and managed to get the one payment caught up that I missed, and have bank statements reflecting as such. I continue to make my payments on time and think everything is ok, and then approximately two years later, Carrington files a proof of claim with the bankruptcy court stating I missed a payment ( which I have n't ), and also asked for approximately XXXX XXXX in " projected escrow shortage ''. Unfortunately, I did n't have the money or resources to pursue this matter in court further, so I ended up having to have my house payment rolled into the payment I was already making to the court to " clear up '' this matter. Fast forward to XXXX XXXX, where I lose my job, and manage to continue making payments, and in XXXX I converted the bankruptcy case to a chapter 7 simply because I did n't have a job, and I ca n't afford for them to dismiss the case and have all the other stuff come crashing back down on me. I 'm making payments this WHOLE time, without fail. In the same month ( XXXXl ), Carrington files a relief from stay because they say I 'm behind on my mortgage ( which I 'm not and I can prove it ). Well, the Chapter XXXX Case was XXXX in XXXX XXXX, and their relief from stay was denied because of this. I also have an email in my possession from their attorney stating that my mortgage is current through XXXX XXXX ( it 's current through XXXX XXXX as well ), and I am STILL showing a balance of {$2300.00}, and I have no idea what it 's for. Not only that, but I get an escrow review and my payment has gone up {$61.00} to {$820.00} for a perceived escrow shortage. I contacted XXXX and their rep advised me to call in and find out what 's going on. They told me it was advance payment fees of some sort. I 'm 99.9 % sure it relates to the bankruptcy case, which is now closed, and they ca n't collect on that. So, I thought I 'd start here first. I also have a QWR letter waiting in case I need to send that too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted this company on multiple occasions and I still have no resolution. I have been writing this company since XX/XX/2017 with no resolution. XXXX is station that I have a debt that is not mind. I have challenged the accuracy of this debt with no validation. This company bears no signature to verify this debt. XXXX states " I owe them {$380.00} and that the account has been placed in collection ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
I received two XXXX Grants : ( a ) {$3000.00} for Award Year XX/XX/XXXX-XX/XX/XXXX and ( b ) {$4000.00} for Award Year XX/XX/XXXX-XX/XX/XXXX Conditions of the XXXX Grant that would prevent it from converting to a Direct Unsubsidized Loan were : ( a ) I must XXXX as a full-time highly qualified XXXX in a high-need field, ( b ) I must submit annually a XXXX Grant Certification that states my intent to fulfill my XXXX Grant obligation and to document the the prior year 's qualified XXXX  service. 

I started XXXX at XXXX XXXX XXXX XXXX ( XXXX XXXX TN ) in XX/XX/XXXX and I sent certification for the calendar year of XX/XX/XXXX-XX/XX/XXXX.
I graduated with a XXXX on XX/XX/XXXX. ( Evidenced ) In a letter dated XX/XX/XXXX, XXXX  XXXX stated that my XXXX Grant Service Obligation Period Start Date was XX/XX/XXXX. ( Evidenced ) During the XX/XX/XXXX-XX/XX/XXXX school year I remained at XXXX XXXX and submitted certification for calendar year XX/XX/XXXX-XX/XX/XXXX. Due to confusion, this certification was sent on two different dates ( XX/XX/XXXX and XX/XX/XXXX ). ( Certification 1 ) ( Evidenced ) I transferred to XXXX XXXX XXXX for the XX/XX/XXXX-XX/XX/XXXX XXXX year. Certification for Calendar year XX/XX/XXXX-XX/XX/XXXX was submitted on XX/XX/XXXX. ( Certification 2 ) ( Evidenced ) I received a letter dated XX/XX/XXXX from XXXX XXXX confirming that I had two years of certification requirements remaining. ( Evidenced ) Certification for XX/XX/XXXX-XX/XX/XXXX was submitted on both XX/XX/XXXX and XX/XX/XXXX. ( Certification 3 ) ( Evidenced ) I received a letter dated XX/XX/XXXX from XXXX XXXX confirming that I had one year of certification requirements remaining. ( Evidenced ) Certification for XX/XX/XXXX-XX/XX/XXXX was submitted on XX/XX/XXXX. ( Certification 4 ) ( Evidenced ) A letter dated XX/XX/XXXX from XXXX XXXX confirmed and stated that " ... you have fully satisfied your service obligation for the program of study ... and ... You have no further XXXX, certification, or other obligations for these grants. '' ( Evidenced ) XXXX XXXX then notified me that the XXXX Grants had been turned into unsubsidized loans. 

I have made repeated phone calls to XXXX XXXX  to correct the error. 

In summation, my last XXXX Grant was received for the XX/XX/XXXX-XX/XX/XXXX XXXX XXXX year. I graduated from the XXXX Grant eligible program on XX/XX/XXXX. I then fulfilled my 4 years of XXXX and certification requirements for XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX-XX/XX/XXXX. It is my contention that XXXX XXXX has either erroneously or fraudulently converted the XXXX  Grants into unsubsidized loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have been informed that negative information was reporting on my credit report by a collection agency with the name of XXXX  XXXX. I contacted this company by certified mail twice to get validation of debt amount owed. this company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through the XXXX that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since, this company states I owe XXXX $ but I will not pay this collection agency any type of my money without sufficient validation. I have asked this company twice to validate this debt bearing my signature or to show some type of contract I have between this company & I. It is by law by the FCRA THAT I CAN REQUEST VALIDATION AND IT MUST BE SENT TO ME. Not only is this company blatantly disobeying the law & being willful non-compliant but also not giving me what I am respectfully asking for. This company only marked my account disputed on my credit report but have failed to send me any documents of what I am asking for. 
I have the right to demand to see a signed contract between, e and XXXX XXXX. If this company is hired by a 3rd party company then I request validation and NOT verification of the debt meaning a signed contract from the original company and not a itemized or generic bill. a bill is considered proof of debt, not validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have contacted this company on multiple occasions and I still have no resolution. I have been writing this company since XX/XX/2017 with no resolution. XXXX is station that I have a debt that is not mind. I have challenged the accuracy of this debt with no validation. This company bears no signature to verify this debt. XXXX states " I owe them {$380.00} and that the account has been placed in collection ''.

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 2017-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
History : We are currently involved in a residential mortgage situation that began with refinancing both our residential property as well as a rental home with XXXX the fall of XX/XX/XXXX with a three year ARM. In the summer of XX/XX/XXXX XXXX was purchased by XXXX XXXX XXXX and our servicing agent changed. Our payment went to the old servicing agents address and was sent back to us. The new serving agent began adding late payment fees and would not accept our payment, telling us that we were already in the foreclosure process. We felt that we had no choice but to file Chapter XXXX in the spring of XX/XX/XXXX to stop the foreclosure process and protect our home and rental property. We had our case dismissed in the fall in XX/XX/XXXX. When we received our first communication from the servicer after dismissing our case, we realized that the servicer failed to adjust our interest rate on both properties in XX/XX/XXXX, and that the LIBOR index rates had actually gone down which would have significantly decreased our payments prior to our decision to file Chapter XXXX. Had we known this it might have affected our decision. In addition, the servicer failed to adjust our rate every year after that, and again, the rates have fallen each year. After numerous inquiries, the servicer made the first ARM adjustment in XX/XX/XXXX and even that interest rate was calculated incorrectly. We filed a complaint with CFPB in XX/XX/XXXX for our personal residence ( Case # XXXX ) and our rental property ( XXXX, XXXX and XXXX ). The servicer for our residential property admitted to the interest rate calculation error in their response to our CFPB complaint. 

Current Complaint : Shellpoint Mortgage Servicing has not updated our account information reflecting the servicing error they reference in their letter dated XX/XX/XXXX. We are requesting that Shellpoint Mortgage Servicing provide our correct loan balance. 

Thank you for time and consideration.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a notice of this account in XXXX. I mailed a debt validation letter and never received a response. Instead this account was added to my credit report. I filed a complaint and the issue was not resolved so I filed a dispute with the credit bureaus. As a result the account was deleted on XX/XX/XXXX (  proof attached ). Two days later the account was added back to my credit report after deletion XXXX proof attached ). On XX/XX/XXXX, I reached out to TransUnion and spoke with a rep and supervisor who told me that I have to wait until an investigation, that has nothing to do with this account, is complete before I can see the account removed. I already have a report dated XX/XX/XXXX showing the account removed! But no one could provide and explanation of how it was added back 2 days later. Even if it 's showing under another collection agency ( which it is not ) that still would not have allowed me time to request debt validation. This is a direct violation of my rights, and if this account is not removed ASAP, I will be seeking legal consultation to see how I can be compensated for the distress your company has caused 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 explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I got a call in XX/XX/XXXX from Procollect in XXXX, tx stating I had a charge of {$490.00} in collections from XXXX XXXX for a move out fees. I gave XXXX a forwarding address and my number to be notified of any charges. They never sent me anything in the mail or called so they sent it to collections because it never got paid. Procollect said I could not dispute it. They had already dropped my credit score 60 points the same day they notified me of the charge. I asked to speak to a manager or supervisor and procollect told me no. And they would n't send me proof of my bill unless I sent a written request.

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 2017-10-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
i already sent you the info and you have done nothing ... .you have them in federal court so you know they are not a good company..

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 2017-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. How is this company reporting as data factoring when they were not in ownership of this account prior to the charge-off, since they are a 3rd party collection agency? My consumer rights are being violated by these entries as well as they are violating the Fair Debt Collections Practice Act. This erroneous, inaccurate item should not be reflected on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XXXX XXXX, XXXX, I went to Experian online to obtain three reports from all three reporting bureaus for {$39.00} as advertised. I did not want to obtain a free report from Experian or receive other Information from any of their companies. A few years ago I had an account with Experian and did not try to log in because I had not renewed my account. So, I preceded to include information personal to me, and went through credit card information for the purchase and was told an error occurred and was told to call in. I decided I would try it today, XXXX XXXX, XXXX. I decided to try purchasing the three reports for {$39.00} again, however, I decided to get the free report first and opened a basic account without any costs. I received a welcome back online greeting and obtained a 12 page report with no score or information. Next, I decided to try again to purchase the three reports, and again after putting past, present name and address birthdate and credit card information was given an error message and it cancelled purchase. I the telephoned customer care XXXX and waited one hour and was told I could not purchase the three reports by telephone and that they could only be purchased online. I believe the offer to purchase 3 reports is a bait and switch, because I was offered a monthly deal for {$4.00} and other services.

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 2017-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: MN

Complaint narrative:
This is a complaint about SageStream, a credit reporting agency. I have recently learned that a credit report from SageStream has adversely affected XXXX of my financial applications. SageStream has egregious requirements in order to view my own credit report from there including sending an excessive amount of personal information via insecure methods. This is completely unacceptable. If they want to be a proper credit reporting agency they should be forced to also be included as a company on the XXXX website. This information should be more easily accessible online.

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 2017-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emerald AR Systems, LLC
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with EMERALD AR SYSTEMS. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with EMERALD AR SYSTEMS. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to collect any debt. I am in receipt of my credit report dated on XXXX XXXX, XXXX and I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for your company to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA

Complaint narrative:
I returned a call to Heartland ECSI after receiving an automated call from them on XXXX/XXXX/XXXX, asking me to return their call. The customer service agent looked up my account and I logged in online to view it as well. She said it did n't show I owe anything and that I 'm not delinquent. However, my account page shows a past due balance, 1-month delinquency and a total balance due XXXX/XXXX/XXXX. This information varies depending on which section I view, for example it shows that I do not owe anything on the home page but in 'history ' it shows balance due XXXX/XXXX/XXXX. The customer service agent told me that I should n't pay attention to that, and reiterated that I do not owe anything. I asked why it says in parts of my account that I do, and she had no reason but again told me not to pay attention to that. She said that what I was seeing meant that I could pay on my loan if I wanted to. I viewed my most recent statement online ( ending XXXX/XXXX/XXXX ) which also showed a past due amount and current amount due XXXX/XXXX/XXXX. I pointed out that the statement does not say anything about a payment being optional. The agent told me that she did n't know why the statement looked like that and again said that I do not need to worry about it. I asked if I could record a conversation with them confirming that I do not have a balance due on this account, and she said they do not allow recording so they will not speak with me if I am going to record the call. I asked the agent if they record phone calls between us, and she said yes but only for training purposes. I asked to speak with a supervisor. I was put on hold, the agent answered the line again and said that all of the supervisors are in a meeting and she will ask them to call me later. There are no documents available in the 'document ' section of my online account. I am only able to view everything, including my statement, online so I am uploading screen shots of everything. I would like my online account and statements to accurately reflect my loan and payment status as well as any payments due so that I can protect myself as a consumer. They are not allowing this by having conflicting and false information online. They are misrepresenting my current responsibility by producing a statement that makes it look as if I have both a past-due balance and current balance owed. They said they mailed the statement but the address on the statement is a past address, which does n't match the one they have in my online account information. To top it off, their refusal to allow me to record our conversations makes it difficult if not impossible to protect myself against inappropriate attempts to collect this debt and negative credit reporting should it occur. Thank you for your time and assistance in remedying this situation.

Company response to consumer: Closed with explanation