vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-02 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 60 ) days late on the XXXX/XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage has refused to provide me with a payoff of my existing mortgage that I request on XX/XX/XXXX by phone. On XX/XX/XXXX the representative XXXX that I spoke with said I would have my payoff by fax on XX/XX/XXXX due to the holiday. I did not receive the payoff on XX/XX/XXXX, so I called PHH again on XXXX   XX/XX/19 and I was told that it was sent to their lawyers for calculation and he faxed it out to me on XXXX XX/XX/19 based on the notes in the system. Again, that was a lie, I am in escrow and the escrow company has requested a second attempt to obtain the payoff as well and they are refusing them. By law it states the mortgage company has 7 business to issue my request as the borrower. By XX/XX/XXXX it will reach the 7th day mark and I have yet to receive my request. 

PHH is also falsifying charges on my loan from XX/XX/XXXX to present that are incorrect and they refuse to remove them in the amount exceeding {$39000.00}. I have asked and written letters of errors on my account and wanted a detailed descriptions of the charges along with proof of receipts from their vendors. They also have denied me proof and the opportunity to speak with the supervisor in charge of the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Complaint against - XXXX XXXX XXXX representing MidLand Funding LLC * I received notification from XXXX XXXX, GA - on XX/XX/XXXX about a garnishment that was being enforced. 
*I was not familiar with the debt at the time so I responded to the letter XX/XX/XXXX *I  received a follow up notice that indicated I had a court date in response to my letter for a court date of XX/XX/XXXX. 
*I attended the court date and was given a document from the judge of the original civil action document XX/XX/XXXX *This was indeed a debt I incurred during a low part of my past and indeed had a judgement for that I did not recall at the time. I have since found all the supporting documentation for this debt. It was indeed mine in which I was indeed responsible for. 
The first garnishment payment occured XX/XX/XXXX {$400.00} A total of 5 deduction in the amount of {$400.00} along with one additional {$250.00}. XXXX were drafted starting XX/XX/XXXX and final draft XX/XX/XXXX. 

So this garnishment has been paid off as of XXXX XX/XX/XXXX. 

On XX/XX/XXXX a letter was drafted by XXXX XXXX XXXX , XXXX ( same that originated the requested garnishment ) stating they were representing XXXX XXXX and that my debt had been turned over to for collection. Indicated I have 30 days to respond etc. 
Providing an account # XXXX Charge of Balance {$2400.00} Amount off Debt {$760.00} XXXX file number XXXX Finally stating if I wish to discuss payment arrangement or resolution of the debt to call. XXXX. 

This letter was writtend 4 business days after final garnishment for the exact same debt the just collected final payment on through my garnishment. 

They are using legal letters and legal verbiage to scare someone into paying a debt that they full well know they just collect final payment on. 
The balance of the Civil suit from XX/XX/XXXX is in the amount of {$2400.00} The debt they are claiming is owed is also in the amount of {$2400.00} How many times do they do this to people that have no way of tracking down old documents old debt. How many times are they scaring people into paying debt they have already collected. 

This is wrong. 

They have recently caused much stress to me and my family and this 100 % is not ok that they are trying to fool me into believing I owe for a debt that I have already paid. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: MN

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 60 ) days late on the XXXX/XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-01-02 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 60 ) days late on the XXXX/XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-01-02 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted  the bureaus to remove these however, I have not been successful.

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 2020-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
I have previously filed a complaint with EdFinancial and on XX/XX/XXXX they sent out a letter which I didn't receive until XX/XX/XXXX stating that I had a couple of options to work out my repayment plan. 

When I called EdFinancial on the next business day to arrive an agreement on XX/XX/XXXX, the company had already turned over my account to the Default Department. 

I promptly called the Default department and they had told me that the options that were provided on the letter by EdFinancial were no longer available and they had turned over my account into default on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I closed all of my amex accounts on XX/XX/XXXX as they kept charging me for hotel stays that my ex husband charges to a old card he still has. I have all of the emails showing where the accounts were closed. I closed these accounts ( some of which I have had open since XXXX ) because they continually allow him to charge on my card as an additional user despite the constant calls and conversations I have had with them through the years. I assumed me cancelling all connections with this company would finally stop the charges. Yet I received another statement saying that I owed money for yet another hotel he has charged on my account. I contacted an attorney. She sent them a letter. Their response to the letter will be in the documents that I am attaching. After sending my attorney the response from AMEX she advised me to file a complaint with your agency. If that doesn't work we will move forward to a law suit. I don't understand why they keep allowing charges on a card that they acknowledge is cancelled and then think it is ok to send me the bill and put my good credit at risk. I need HELP. I need for them to stop allowing charges to go through to hotels and then they send me the bill. He uses the card to reserve rooms because if he doesn't show up he doesn't care if it is charged because he isn't the one being billed. So for him it is a win win. For me it is a nightmare!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-02 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to. Please investigate this and have this removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: MN

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted  the bureaus to remove these however, I have not been successful.

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 2020-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
They have made a mistake and everytime I call they even admit it but it never gets fixed. Some how they keep saying a XXXX XXXX   dollar a year insurance policy was taken out on my house. I have paperwork that says its XXXX dollars a year.I cant even make payments they say it will go into suspense cause the escrow account is all messed up from their mistake. The company is XXXX XXXX my name is XXXX XXXX.My # is XXXX - XXXX please help I call and stay on hold for up to 3 hours but it never gets fixed I have done this over 5 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
In XX/XX/2019 my checking account at Navy Federal Credit Union was closed due to charge off, the XXXX dollars I owe is primarily due to bank fees from Navy Federal. The multiple {$29.00} charges were due to XXXX trying to process payments on my account. The funds were not available, but XXXX never received the money they were attempting to collect, and Navy Federal never issued them payment. So I was not over drafted. That was until Navy Federal started processing fees for ebays attempts. Then I stated to receive overdraft fees on top of the fees for the attempted account debits. Navy federal kept my savings account open and I was using it to deposit and cash checks that I receive. Well with out any warning or notice they decided to keep my last check deposit to collect for their fees. I have no access to the details because they have locked my account online and through the app. So I can not even see what I owe in total for exactly! Since I had been allowed to cash checks since the closed checking account I had no idea they would keep all of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HANCOCK WHITNEY BANK
State: CA

Complaint narrative:
Hello CFPB, I had opened a Silver Savings account with Hancock Whitney Bank on XX/XX/2019 under a promotion where I would receive {$100.00} upon fulfilling terms where I would need to maintain {$2000.00} in the account until XX/XX/2019. Despite meeting these terms, I have not been credited with the {$100.00}. I would like to submit my complaint as I have reached out to Hancock Whitney Bank with no response. If you could please assist with this matter, it would be greatly appreciated. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
This company is calling as an attorney stating they need me to meet them at an undisclosed location to sign certified documents. I explained that this debt was opened by an ex cohabitant and then the company called my significant other and left my personal information on HIS voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: TX

Complaint narrative:
There are medical bills on my account that I have no knowledge of. I filled identify theft and sent the paperwork in. Equifax keep verifying information thats incorrect. 

XXXX XXXX XXXX- {$1200.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX- {$920.00} XXXX XXXX XXXX- {$130.00} I have been disputing these accounts and they keep coming back verified. I request information they use to verify the accounts and I never receive anything. They arent protecting my credit file from fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Have been paying this loan on time every month but Wells Fargo is not applying payments correctly. Sent a certified letter with past proof of payments with XXXX payment. Wells Fargo has still not addressed or fixed the problem and has not deposited my XXXX payment.

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 2020-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: MT

Complaint narrative:
On XX/XX/2019 I filed a complaint with CFPB regarding the violation of the FDCPA conducted by TD Auto Finance ( XXXX Complaint # XXXX ). Starting approximately 2 weeks ago TD Auto Finance has AGAIN started calling me by masking their phone # and even worse calling me at work on or about XX/XX/2019 & XX/XX/2019. Both days they called me at work I was off and they spoke to my Boss inquiring where I was and that it was imperative that I call them. 

My initial complaint with CFPB was addressed by TD Auto Finance representative XXXX XXXX ( XXXX ) XXXX. She reached out to me by calling me and assured me that TD Auto Finance will stop trying to contact me. I advised her that I'm formally advising TD Auto Finance to " CEASE & DESIST from ever contacting me by personal phone and especially at my work phone. Note : Since I obtained my auto loan with TD Auto Finance I HAVE NEVER been 30 + days late and my loan has always been in good standing & never placed in default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I have been disputing this account for a long time and I havent got any fair result on this. The account was reported inaccurately because this is paid as it is indicated yet it is still in collections. Please help me get rid of this.

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 2020-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
I have requested NUMEROUS times to have my mortgage statement MAILED to me. I initially requested e-statements but decided later I wanted a paper statement. 

The loan company is XXXX AKA LoanCare. My loan was to XXXX and I guess XXXX went into bankruptcy and this new company bought their portfolio. Anyway - I want a paper statement.

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 2020-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
Source recievable management PO BOX XXXX XXXX, NC XXXX I have been recieving calls on a XXXX XXXX that I owed ... The collector calling me was rude right as soon as I questioned the amount. I have a right to ask about a such a large balance ... I want to be sure that the amount is correct and such and see the chain of debt ... thats not a problem plus it is my legal right. After finally agreeing give me an address she followed with " collection activeties will continue after the validation process has begun '' ... I know this is a direct violation to the FDCPA. fURHTER THAN THAT, HER TONE AND ATTITUDE TOWARDS ME STATING " WELL ITS A HIGH BALANCE AND YOUR TRYING TO DISPUTE THIS ... YOU KNOW THE TABLETS YOU HAVE '' is beyond harassing ... You have no idea what I may have gone through or may be going through ... I am humiliated to be talked to like that ... This is embarassing to be in this situation to begin with ... I am going to be having an attorney help me resolve this if the company is unable to resolve this ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Pioneer Credit Recovery discussed my debt with my father and mother-in-law without my consent.

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