vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: VA

Complaint narrative:
PHH Mortgage crediting of checks is delayed and received date in their system of record is incorrect.   Mailed    XX/XX/XXXX payment  USPS Priority  tracked mail on   XX/XX/XXXX    . Priority mailed was delivered by   XX/XX/XXXX    .   Check had not cleared by XX/XX/XXXX   . Concerned, I called the customer service line the next day. The rep told me the check would be posted that day,   XX/XX/XXXX    . The rep also told me that PHH Mortgage date of receipt of the check was their processing date, XX/XX/XXXX   .   Fortunately this was within their grace period. I asked the rep to refer my comment to the supervisor -- the date of receipt is the date the mailed check is DELIVERED to PHH Mortgage, not the date PHH Mortgage chooses to process it.   PHH Mortgage 's lag in posting checks is consistent ( a week or more after documented USPS delivery date ), although this was the worst incident , 2 w eeks, perhaps due to   XX/XX/XXXX   holiday. I feel COMPELLED to pay fo r USPS  priority postage and tracking in order to be able to prove that I paid on time, given  PHH ' s track record of slow processing. It is frustrating and should be unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Update for OBM  XXXX   XXXX  I initiated a meeting with  XXXX  from  XXXX    XXXX   XXXX   months ago, to settle this matter out of court. She said fine she would call with a date and time. Since then, I called  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  at  XXXX    XXXX   asking for a payoff amount. On  XXXX   XXXX ,  2017  my vehicle was repossessed. without warrant. I 'm pretty positive  XXXX  had something to so with this.  XXXX  told me we would settle this issue and I was n't making anymore payments till then. I have never been late since my contract started! I have always paid on time, and they ruined my driveway, tore up the entire right side of my yard. Now, I still have n't closed on the property and it 's in Underwriting.   Her neglect has impacted my well-being. The   XXXX   in unbearable, affecting my health issues. They took my vehicle to the Auction the same day. I also asked  XXXX  who her  Superior was and she refused to tell me, stating she did n't have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In  XXXX  of  XXXX  I renegotiated my rate in the rate reduction department of Navient. I have been in this program for few years now and each year I renew the terms. For the year beginning in  XXXX  of  XXXX  I agreed to pay {$440.00} on the  XXXX  of each month until  XXXX   XXXX . My fixed interest rate for that time period would be 3.5 % for  3  of my  4  loans with the company while my  4th  student loan would not be included. Earlier this month I logged on to my account to make sure that everything had been update with a 3.5 % interest rate. The 3 loans have not been. Instead my loans show variable interest rates of 2237 Signature Student Current Balance {$16000.00} Interest Rate 4.250 % 2245 Signature Student Current Balance {$20000.00} Interest Rate 8.250 % Current Balance {$26000.00} Interest Rate 14.750 % When I called into the rate reduction program ( after being bounced around other departmen t 4  or 5 times even though I expressed to the operators that I needed to speak with someone from the rate reduction program department ) I was told that due to a failure on their end my application was stuck in the review process for longer than intended. During this time Navient still took out of my checking account the amount of money we agreed upon in  XXXX . I was also told that if I logged back on to my Navient account after  XXXX   XXXX  I would see that all of my information would be updated to the correct amount. I just logged on today   XX/XX/XXXX   and the rates have not changed.  <P/> My concern is that my total balance will go up higher than it should because of the incorrect interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
On XXXX/XXXX/17 I called Monterey Collections along with a financial counselor who is helping me with this case. We called because I discovered some fraudulent accounts on my credit report. When we called we spoke with XXXX XXXX ID # XXXX who basically accused me of giving my grandson authorization to speak on my behalf and said that I signed for a dog when I never did. When I would try to explain myself she would talk over me and would n't let me explain myself. I was trying to tell her that I never authorized anyone to purchase a dog and that I found out about this debt after I was contacted by the collection agency. She continued to say that I did authorized this dog purchase as I was calling to try to find a solution about this fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have sent cease and desist letters to the loans and they continue to harass my family, friends and myself. I receive SS and have no assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Fradulant charges on account and tax return used on account putting account at {$0.00} and being assessed fees associated with not having funds. They did n't put the data or the police report bin their system. They want me to file paperwork again. Similar thing happened to me with my credit card from this Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Loan began XX/XX/XXXX. Prior servicer encountered no difficulty in receiving/recording payments. Commencing XX/XX/XXXX payment due date Account Statement indicates an amount due of {$270.00}. This amount was paid on or about XX/XX/XXXX. Late on XX/XX/XXXX an agent called to say that the wrong amount was billed on the statement and an additional amount was due immediately of {$1500.00} ( paid by phone ) to avoid being reported to the credit reporting agencies. Subsequent payments were made in the required amount due XX/XX/XXXX through XX/XX/XXXX. With the XX/XX/XXXX and XX/XX/XXXX statements Company indicates we are 6 months past due. No explanation given. Our credit reports indicate late and past due payments. Our credit is ruined and we are unable to get any kind of new credit or obtain a mortgage to purchase a home. We are unable to obtain/afford an attorney to help us with this matter. The situation has gone on now for almost one year and we have been unable to achieve any resolution with the Company. XXXX has opened an escalated investigation into this matter and thus far their efforts with Company have been unproductive. XXXX is getting the same treatment we are and getting no/minimal cooperation from the Company. Complete and verified electronic payment records have been submitted to the Company and XXXX, and are attached as scanned documents here. We have complete bank statements from the initiation of servicing by Company to further verify all payments have been made. It has been reported that this servicer has bilked XXXX out of XXXX XXXX dollars as has been revealed in a recently unsealed law suit by the Federal XXXX XXXX XXXX District Court.
See STATEMENT attached.

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 2017-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have contact  National Credit  Systems on several occasions in regards to comments on all  XXXX  of my credit files that I want removed. After being told several times that someone would call me back I finally spoke with  XXXX   XXXX  at ext  XXXX  today,   XX/XX/XXXX     who put her  XXXX   XXXX   XXXX , who identified herself as a supervisor. When I explained to her that I have asked all  XXXX  credit bureaus to remove the comments " consumer disputes this information '' from my file since I am no longer disputing this debt and they informed me that every time they remove the comments  National Credit Systems  add the comments back on.  XXXX   XXXX   XXXX  informed me that the only way the would remove the comments is if I paid the debt. I told her I was no longer disputing it and want the comments removed, she again repeated that the only way they would remove the comments is if I paid the debt right now and did I have a credit card handy. I told her I was not paying this debt, but am no longer disputing it. That I 'm trying to obtain a mortgage and need the comments removed and since I was the one the initiated the dispute and am no longer disputing it, I am requesting that they stop put the comments back on when I have them removed, she told me that this is n't going to happen, and again the only way they would remove the comments is if I paid this debt in full right no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Good Morning ... I checked my credit report this morning and found some hard inquiries that were once removed from my report but somehow reappeared. I was not giving any notifications that these accounts would be added back to my credit report. I did some research and was informed that Transunion had a glitch in their system XXXX and that 's the reason why all my old accounts were added back to my credit report. I called Transunion this morning and spoke with XXXX who states that she was a supervisor regarding these issues. She could n't explain to me as to why these accounts were added back to my account. She also informed me that some of my inquiries will fall off this month, end of this year, and the beginning of next year. She also informed that I could contact the creditors for letters but I do n't understand why I have to repeat this cycle again? Please help me from being victimize. The accounts that I am informing about are ... ....
<P/>
1.XXXX XXXX Inquiry from XX/XX/XXXX 2.XXXX XXXX Inquiry from XX/XX/XXXX 3.XXXX XXXX Inquiry from XX/XX/XXXX 4.XXXX Inquiry fromXX/XX/XXXX5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX Inquiry from XX/XX/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 2017-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
While reviewing my credit report onXX/XX/XXXX, I noticed a closed account from Swiss Colony/XXXX with a balance of {$110.00} that did not belong to me. I disputed the account with all 3 credit bureaus and in addition, onXX/XX/XXXX I sent in an affidavit along with the claim to the creditor itself. On XX/XX/XXXX, I called the creditor to inquire about my claim and was told I would be contacted within 15 days regarding the claim. I have yet to hear from the creditor in regards to my claim, but I have contacted all 3 credit bureaus and have been told that the creditor has reported the accounts to be verified. The creditor has not provided proof of ownership the account, and I have learned the creditor has recently reported bogus addresses to XXXX that do not belong to me which is illegal and improper practices.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Camelot Financial Services, Inc.
State: OK

Complaint narrative:
Was contacted many times at my work number. I deal directly with the public and always have a client or fellow associate near by. Told XXXX  every time she called please do n't contact me at my work number, but she continues to do so. Last time she contacted me at my work number I was in a meeting with my supervisor and our regional supervisor. I had to explain to them that it was a personal call and what it was pertaining to. I then was pulled aside and given a verbal warning from my supervisor about receiving personal calls at work. These calls are threatening my employment and need to stop. XXXX uses scare tactics when she contacts my husband, she will tell my husband if we do n't call her or make our payment she will be forced to call XXXX at work knowing she 'll get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Complainant : - XXXX XXXX XXXX SSN : XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX Equifax CRA, is reporting incorrect information on my credit file. Additionally, Equifax has advised that they will not investigate the issues I am disputing, and have gone ahead and turned my online ability to dispute any incorrect information. Further, they are not also refusing to accept any documents I forward to them via fax, mail of electronically to support my dispute.
<P/>
Equifax continues to list an incorrect former name on my profile. My name is XXXX XXXX XXXX, with NO generational tags to it. Equifax is showing an incorrect name on my profile. Again please see attached drivers license and ssn card showing my correct name.
<P/>
Equifax is listing a FORMER SSN as being associated with me. I only have one SSN number and do not understand how my profile would have more than one SSN. I have contacted all current and former creditors and they have all verified that they did not provide this incorrect information to Equifax. I have demanded that Equifax either remove this inaccurate information or provide the name of the creditor providing this inaccurate data. They have advised that they do not know who is providing this inaccurate data but will still report it.
<P/>
I have retained the services of an attorney, XXXX XXXX, and submitted a power of attorney to Equifax, to allow them to discuss my account with him directly. XXXX XXXX attempted to contact Equifax on my behalf but they declined to discuss any matters on my account with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I have sent a cease and desist letter the loan company and they continue to harass my family, friends and myself.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
AS OF   XX/XX/XXXX   MY CREDIT SCORE WAS  XXXX . I HAVE NO NEW INQUIRIES AND NO NEW ACCOUNTS IN COLLECTIONS. AS OF  XX/XX/XXXX    XXXX   XXXX   UPDATED MY CREDIT REPORT AND INSTEAD OF EQUIFAX ADDING THE NEW POINTS FOR A NEW ACCOUNT THEY TOOK THEM AWAY. OLEASE INVESTIGATE THERE IS NOTHING INDICATING WHY THE SCORE WENT UP WITH   XXXX   AND  XXXX  AND DOWN WITH EQUIFAX. I AM SURE THIS WAS A MISTAKE AND NEEDS IMMEDIATE ATTENTION. PLEASE FIX PROPERLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander account XXXX ... last four of social security XXXX, D.O.B. XX/XX/XXXX - XXXX XXXX. <P/>On XX/XX/XXXX Santander reported a balance of {$12000.00} to XXXX. To XXXX they reported a balance of {$15000.00} for the month of XX/XX/XXXX. On XX/XX/XXXX I recieved a settlement offer that states the balance as {$16000.00}. To XXXX they reported the account as opened with a balance. To XXXX they reported the account as closed with a balance. To XXXX it was reported closed with {$0.00} balance/paid in full. <P/>Also, the payment history was different on all three credit reports and XXXX and XXXX  allowed, and continue to allow Santander USA to make corrections, that still end up being wrong information, and making my credit score go down every time they change the information/ update it as opposed to deleting the account per fair credit reporting laws. <P/>My credit score went down again in XX/XX/XXXX because XXXX and XXXX continue to allow Santander, USA to update, as opposed to DELETE as I have requested. This information on my credit file should have been deleted months ago due to fair credit reporting laws regarding reporting erroneous/inaccurate information regarding balance, account status, and incomplete/inaccurate payment history that has been reporting for almost a year now on my report. No matter what proof I send to the credit reporting agencies regarding Santander 's erroneous information, the three credit reporting agencies refuse to delete the account and that is not right or fair. <P/>I have disputed, with proof of the mis-information Santander has been reporting to all three credit bureaus. XXXX now has it as a closed, but per fair reporting it should be deleted from all three credit reporting bureaus. <P/>Santander, when you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi, my earlier complaint number was  XXXX  regarding the platinum card now ending in  XXXX . The amounts shown there were not disputed the ones I 'm disputing are  XXXX   XXXX . Something which I never used and on the propel world  XXXX   XXXX  or ending in I do n't know what I 'm disputing  XXXX . Nothing else just these two amounts now, I 've started making payments to the card but for these  two  I have received no service therefore I request Wells Fargo to remove these charges from my cards.

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 2017-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Springer Collections Inc.
State: WI

Complaint narrative:
Spring Collection at  XXXX  contacted my mother today asking for myself or my husband, as well as informing her of who they were and that they were collecting debt on our behalf.  <P/> I am currently at work, but then they also called my phone number, so why they called my mom after she told them she was not them and giving her our debt information is not the proper practice. I have relatives with my last name that I wish to not be notified of my financial issues and would like to speak with someone in regards to what I can do. I have not lived in Minnesota for 5 years now and do not know what this debt is regarding, and I do not want to call and give them any of my information, now that they just shared it with a family member of mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
Portfolio Recovery  Associates ( PRA )  has made numerous harassing calls and sent out threatening letters. They have failed to provide proof of my debt owed and leave messages on different family members voicemail when they should not be calling me at all. I claimed bankruptcy back in   XXXX   and have not made any bills since then so they have no reason to be calling me anyways. They have harassed me relentlessly.They have violated many laws under the Fair Debt Collection Practices Act ( FDCPA ), : Contact anybody who is not the main person that owes the debt Threaten you with referral to an attorney, harm of credit, or wage garnishment without the actual intent to act on the threat Contact you at your employers office if you tell them not to to my knowledge, I do not owe them money and have asked them to provide proof of what I owe. They have failed to do so.   The numbers that call repeatedly are :  XXXX ,  XXXX ,  XXXX

Company response to consumer: Closed with explanation