vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
My loan was purchased by Carrington in  XXXX     2017, an d I find their servicing practices to be very non-borrower friendly. First issue experienced is having my payment rise {$82.00} a month in order to build a legal amount in escrow. Even though, through  XXXX   XXXX   XXXX , there has never been an escrow shortage.     Next issue is that starting  X/X/2017   , Carrington will be charging {$5.00} convenience fee on all one-time online payments. This is my method of payment and unsure why I am now being penalized to use this service. I understand I can sign up for automatic payments, but sometimes life just doesnt work out that easy. I feel entrapped to sign up for this service and run the risk of overdrawing my account if the funds are not in there.     These mortgage payments have NEVER been late ; in the 10 years this loan has been active. I find Carrington Mortgage servicing practices un-nerving and a possible CFPB violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Diversified Consultants is  reporting a debt from  XXXX  that we disputed for about a year. We are in the process of purchasing a home, and the record was drastically affecting my credit. We finally just paid the debt, because they said we could get the account removed with payment. Now they are saying they do not do payment for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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 — Problem with personal statement of dispute
Company: DriveTime
State: TX

Complaint narrative:
Drive Time  XXXX  received a certified payment from me in the amount of {$300.00} attached to the payment was a contract written and highlighted that stated : Accepting and applying this payment your company agree to remove ALL LATE PAYMENT REPORTED TO THE  XXXX  CREDIT REPORTING AGENCIES  XXXX ,  XXXX , AND  XXXX . The payment was applied and accepted I also received and email confirmation thanking me for the payment as well. Since applying the payment under the term noted on the money order payment  XXXX  has yet to honor the terms of applying the payment. I am requesting that ALL (  XXXX  ) LATE PAYMENT REPORTING BE REMOVED FROM MY REPORTS.

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 2017-05-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
I received a loan modification trial plan from XXXX XXXX XXXX on XX/XX/XXXX. Trial Payments were to start on or before XX/XX/XXXX I faithfully paid 3 trial mortgage payments early through XXXX XXXX. The 3rd payment was due onXX/XX/XXXX. I paid it onXX/XX/XXXX XX/XX/XXXX only accepted cash payments. I have all 3 receipts from XX/XX/XXXX. OnXX/XX/XXXX 1 day after the 3rd trial payment was due, my account was transferred to Shellpoint Mortgage. My account was not recognized in Shellpoint 's system untilXX/XX/XXXX. So, all the times I called between XX/XX/XXXX to XX/XX/XXXXI could not get through to a customer service person because they did not recognize my SS # or loan #. Anyway, I was able to contact, my representative XXXX XXXX and she told me how to make the next payment. On XX/XX/XXXX I received a permanent Loan Modification. I faithfully made 5 payments to Shellpoint Mortgage ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX ). I have received confirmation numbers for each payment. Yet, they have me owing 5 payments threatening to Foreclose on my home. I have sent Proof of Payments more than 14 times to them both email and fax. They refuse to acknowledge the payments or update my account. ( This is the short version )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: NV

Complaint narrative:
XXXX / XXXX / XXXX  I was denied a mortgage loan for being 180 days delinquent on my child support. I have contacted the  XXXX  credit reporting agencies and have disputed this incorrect information. I have disclosed the child support payment agreement since  XXXX / XXXX / XXXX . The court order states that I pay  XXXX  a month and I pay more than  XXXX  a month. There are arrears from the divorce that were awarded to my ex wife for court cost. This was awarded as support so I could not file bankruptcy " per my ex wife and attorney ''. please remove the inaccurate and damaging information. I have called the Depar tment of Economic Security and was advised that I am current in my child support obligation. I have 50/50 custody of our children and am being penalized as a responsi ble Father, my credit report haunts me on purchases from vehicles and even deny our family the ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: NV

Complaint narrative:
XXXX/XXXX/XXXX I was denied a mortgage loan for being 180 days delinquent on my child support. I have contacted the XXXX credit reporting agencies and have disputed this incorrect information. I have disclosed the child support payment agreement since XXXX/XXXX/XXXX. The court order states that I pay XXXX a month and I pay more than XXXX a month. There are arrears from the divorce that were awarded to my ex wife for court cost. This was awarded as support so I could not file bankruptcy " per my ex wife and attorney ''. please remove the inaccurate and damaging information. I have called the XXXX XXXX XXXX XXXX and was advised that I am current in my child support obligation. I have 50/50 custody of our children and am being penalized as a responsible Father,  my credit report haunts me on purchases from vehicles and even deny our family the ability to purchase a home.

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 2017-05-19 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 — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
XXXX   XXXX   Bridgecrest received a certified payment from me in the amount of {$300.00} attached to the payment was a contract written and highlighted that stated : Accepting and applying this payment your company agree to remove ALL LATE PAYMENT REPORTED TO THE  XXXX  CREDIT REPORTING AGENCIES T  XXXX   XXXX   XXXX   XXXX   The payment was applied and accepted I also received and email confirmation thanking me for the payment as well. Since applying the payment under the term noted on the money order payment BridgeCrest has yet to honor the terms of applying the payment. I am requesting that ALL (  7  ) LATE PAYMENT REPORTING BE REMOVED FROM MY REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
Hello, I keep getting calls from Enhanced Recovery Company even after I spoke to them and told them to stop calling me and that they are in violation for putting a debt that 's over seven years old on my credit report. I disputed it with XXXX in which they stated that there was n't an entry from Enhanced Recovery Company on  my report. Yet I see it on my report. Enhanced Recovery Company bought the debt and put it back on my report in XX/XX/XXXX showing an estimated month and year removal of XX/XX/XXXX. This debt is past the statue of limitation and I want them to remove it or I will be looking in filing a lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent a letter o Transunion to update my personal information such as my addresses on my credit report. They updated the addresses but changed my primary name to  XXXX  and I sent them a copy of my ID and utility bill. I called inform that, my name is incorrect on my credit report and I was told that I need to contact my creditors to tell them to report my name. My name that I use with all, my creditors is  XXXX , even my ID and utility bill that I sent shows that. I spoke with  XXXX   XXXX  at  XXXX  on  XXXX / XXXX /  XXXX   and he said they changed my name because one collection agency by the name of  XXXX  sent something with  XXXX  and that 's why they changed it. I asked him how can they change my name for one creditor when I sent in my Maryland  State Driver  's license and Utility bill. I called back at  XXXX  spoke with  XXXX  and he said that the same thing that my creditors had to report my name  XXXX   XXXX  when all my credit cards are reported with the last name  XXXX   XXXX  I called again at  XXXX  and spoke with  XXXX  and she states the same thing.

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 2017-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CBC Credit Services, Inc.
State: MI

Complaint narrative:
On Friday XXXX XXXX 2017 I received a letter dated XX/XX/17 from CBC Credit Services Inc Which stated that they new where I worked, and made some assumptions about my means to pay. The letter closes with a very thinly veiled threat about how this company will proceed. Fair Debt Collection ActAs amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) 807 section 4

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: IL

Complaint narrative:
I checked my credit report and midland funding llc are reporting I never had any dealings or a contract or service this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I successfully completed a loan modification on  XXXX   XXXX   XXXX  after making 3 months of on-time " trial '' payments from  XXXX   XXXX   XXXX   XXXX ,  XXXX  and continued making on-time mortgage payments to date.   Unfortunately after reviewing my credit report in  XXXX   XXXX , I called the loan servicing comp any ( RountPoint Mortgage ) and they told  me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortga ge Billing Statement (  attached  )  dated  XXXX / XXXX / XXXX  which reflects a past due amount of {$14000.00}! I signed and returned the executed  Loan  modification agreeme nt RPM on   XXXX   XXXX ,  XXXX  and it was not completed until  XXXX   XXXX . I received the executed copy of the Modification in  XXXX   XXXX , which was dated  XXXX / XXXX / XXXX , which is obviously incorrect . ( See attachment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to repo rt them as being on time. All payments were paid on-time to the lender   XXXX   XXXX   XXXX   XXXX   XXXX   and  Roundpoint whe n they were due since  XXXX   XXXX ,  XXXX  and the previous past due balance was added to my principal, along with $  XXXX  in fees.   Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from  XXXX / XXXX / XXXX  would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did.   After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month,  XXXX   XXXX . All payments from  XXXX   XXXX  to present should reflect " on-time '' and be in good standing for that point forward.   They have failed to report correct information or rectify the situation from  XXXX  to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has greatly affec ted my credit score . Any assistance you can provide would be very much appreciated!

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 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
This company is violating my rights by using stalling attempts by refusing to accept my request to demand validation of the debt. This collection was disputed with credit bureau several times  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and each time Amerifinancial verified it. However, when I requested validation directly from Amerfinancial (  XXXX  ) they refused to respond but continue to attempt to collect debt and report debt monthly on my credit report. I sent request to address listed on credit report the first attempt the company accepted it  XXXX  verification attached ). After I noticed they failed to respond within  XXXX  days I sent another request (  XXXX  ) this time they failed to pick up the letter resulting in it being sent back to my address. Despite this company refusing to speak to me, validate the debt belongs to me and they legally have ownership of the debt they are not only attempting to collecting on a debt I have no knowledge of but are also failing to respond, sending back request although I know the address is valid because they accepted it before.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TX

Complaint narrative:
I 'm in the process of credit repair! I contacted all the bureaus in regards to verifying each debt on my credit files. Conn 's ( XXXX ) originally submitted my charge off amount as {$1300.00}. The resolution in my dispute was the account was " verified ''. I did n't receive any documents showing my affiliation to this account. The update amount of this particular account added an additional {$10000.00}. My new balance is {$13000.00} on all of my three credit files. I spoke to a XXXX rep who stated that it was n't anything they could do but verify AGAIN what the amount is. This process can take another 30-45 days. I 'm totally upset and feel violated that a creditor can add an additional XXXX to my credit file, drop my credit score XXXX points and I have to wait until more research is done. Can you please assist me in this matter? Is there anything I can do? I attached the different credit files from XX/XX/XXXX and XX/XX/XXXX to show the difference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management called me three times at my workplace on XXXX XXXX, 2017 after being told during the first phone call that I 'm unallowed to take calls at  work. The second phone call, they spoke to a co-worker and left a message. The coworker told them not to call the job. And then he called a final time, requesting to speak to me and spoke to the coworker that repeated not to call. He said he was an account manager and needed to speak to me regarding my debt, and he kept harassing my coworker. She simply hung up. This was all within less than an hour and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XXXX   XXXX   XXXX   {$5600.00}, now {$4600.00} minus {$350.00} payment on   XXXX   XXXX   XXXX   I requested an explanation of why the principal reduced, but the corresponding interest charge did not match. Still, no response fro m them.. My last letter to them is attached to this document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
my daughter is a   XXXX   XXXX   ... .she received a predatory credit card offer in mail interest rate 13.74 %  -23.74 % ..     cash advance 16.74 % -25.74 %  penalty up to 29.99 % a pplied indefinitely ( yes 29.99 % ) lat e payment? {$38.00} returned payment {$27.00} not to mention all the transactions fees ... {$10.00} or up to 5 % of transfer overdraft protection {$27.00} Really you disgust me ..if this is not predatory I do n't know what is  Gee I  wonder why  students are deep in  debt??  XXXX   XXXX   Director..you should be ashamed of yourself

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 2017-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
i LIVE at   XXXX   XXXX   XXXX  in  XXXX   XXXX  i got laid off  XXXX . i contacted the  apt immediately to f ind out when my lease has up and to submit my 60 day notice to leave. i moved. i received a letter from iq data saying i owe  XXXX  i called iq data they would not help so i went to   XXXX    XXXX   and t hey did not help either. I went to the city of   XXXX   XXXX   c  ourts and was advised  XXXX  filed on eviction on me. they gave me a copy of the paperwork. i send that ( along with the other paperwork i got from  XXXX  explain wy i owe them so much ) to the  XXXX  credit bureaus for help. the  XXXX  bureau completed investigations ( at leave  XXXX  investigation each  ) but t hey are saying the information has been updated as accurate. I have even called the  XXXX  bureaus and nothing is happening. This month I was told by iq data that they know its not right and  i may o we  XXXX . I did not agree with that. I even offered to pay  XXXX  until the investigation was complete so they would completely remove it from my credit report because  no one will   lease to me and still nothing ... .. I can not get any answers. iq data is still investigating knowing that the information is incorrect. i feel like i this entry should be completely removed from all   XXXX   of my credit report since i have been going through this for at lea st 1  yr. i moved  XXXX , i looked into itin end of  XXXX  ( got discouraged ), did nothing  XXXX  and have been trying to fix it since  XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NE

Complaint narrative:
Complaint number :  XXXX  This has not been resolved, we have made numerous calls to  Hyundai Financial an d we still do not have our title, even the   XXXX   XXXX   called them on  XXXX   XXXX  and we still ca n't get it.     First they said they sent the title on  XXXX   XXXX , then the  XXXX  on the next call.     Then they said they had sent us a title release letter on  XXXX   XXXX  we finally did get one dated  XXXX   XXXX  and it 's absolutely worthless it has to be electronically transmitted to the  XXXX .     The last call a couple of days ago they claimed they sent it electronically to the   XXXX   XXXX   XXXX  on  XXXX   XXXX  we live in Nebraska and have done for 25 years.     We have repeatedly asked for call backs from managers and they tell us they do n't do call backs. These people are incompetent!     Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX /  XXXX   Date sent to company :  XXXX / XXXX /  XXXX   Product : Consumer Loan Issue : Managing the loan or lease

Company response to consumer: Closed with explanation