vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Baird Home Corporation
State: IN

Complaint narrative:
My mortgage loan is currently being serviced by XXXX XXXX XXXX XXXX ( XXXX ), operating as a financial arm of Baird Home Corporation. XXXX has refused to complete a loan modification, stating that it is a retail installment contract. However, the loan is tied to a single family residence, so general RESPA and HUD law apply. Any contractual agreement instituted outside of a HUD and RESPA complaint mortgage would be a clear violation of the law. Furthermore, when the loan was in default three years ago, XXXX issued a claim with the XXXX XXXX XXXX XXXX. XXXX received over {$41000.00} from the Hardest Hit Funds. The U.S. Department of the Treasury established the XXXX XXXX XXXX XXXX XXXX for the Hardest-Hit Markets ( Hardest Hit Fund ) in early XXXX to provide financial assistance to families in the states most impacted by the downturn of the housing market. In XX/XX/XXXX, U.S. Treasury announced that Indiana would receive {$83.00} XXXX to help *unemployed homeowners pay their mortgage. In XXXX, an additional {$130.00} XXXX was added to this funding making the total investment for XXXX over {$220.00} XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) who oversees the XXXX XXXX XXXX XXXX ( XXXX ) will administer the program as an additional tool offered to troubled borrowers through XXXX and will offer individuals who are unemployed and eligible for unemployment insurance benefits. This assistance consists of a monthly benefit to cover a portion of their first mortgage and related expenses while the individual seeks new employment. Assistance in bringing mortgage payments current is also available for those individuals who were unemployed and eligible for unemployment insurance benefits but are now re-employed and able to make monthly mortgage obligations moving forward. Additional underwriting criteria may apply. 
The distribution of these funds is designated for mortgage loans and not retail installment contracts. Since XXXX  collected funds directly from a government agency fraudulently, they have violated the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a  Federal Government Agency. 

I owned the land separately, prior to closing on this loan in XXXX. The loan was closed in a Home Owners Funding home show room, where proper 48 hour RESPA and TIL disclosure prior to closing was never performed. I was initially advised that the rate would be 7 %, but when the loan documents were issued the rate was switched to 13 %. The 13 % rate violates the High Cost Mortgage Law, TILA Act and RESPA ( Regulation X ). I was also advised that I had to borrow {$7000.00} from my father, in order for the loan to fund. This is a clear violation of RESPA law as well. 

Since XXXX is now pursuing foreclosure action and has set foreclosure sale dates, I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BCA Financial Services, Inc.
State: FL

Complaint narrative:
This account was unauthorized. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX has sent my internet bill to a company called XXXX XXXX I told them.when I get the extra money I will pay the bill I'm paying other credit card debt right now I have told this company this several times. 2weeks ago this company called my supervisor work phone. When I asked the person on the phone how they got her number he said XXXX XXXX XXXX proivde it to them. I'm confused because I wasn't working for this company when I had my XXXX XXXX XXXX service that is volition of my right

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have filed 2 complaints against OCWEN in an attempt to get my mortgage invoices reported correctly. On both occasions, they have done a complete review of my account, concluded that my account is current and I have not missed or made any late payments, cfpb have closed the complaint on the word of OCWEN that the issue have been resolved and then continue to send me bills showing that my account is past due and has an outstanding balance. I'm convinced that OCWEN has the nefarious intention on foreclosing on my mortgage if I am not paying attention, so I am insisting that this complaint not be closed until I have received a bill showing no outstanding amounts and that my mortgage is completely current. I spoke with 2 individuals at OCWEN on XX/XX/XXXX one was the escalation manager and they still insist that I owe OCWEN from XXXX. This statement insinuates that my mortgage is over the 120 days behind at which point they can begin foreclosing against me. 

The two previous complaint numbers are XXXX and XXXX. 

I am attaching the letters sent in answer to these complaints clearly stating that my account is current and am insisting that OCWEN correct my account to show that it is current with XXXX outstanding amounts. 

I am also attaching the bills I am receiving showing a balance forward that is incorrect, my bills should have a {$0.00} outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent the attached investigation request to Trans Union on XX/XX/XXXX. They are supposed to respond within 30 days, but they have not.

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 2018-04-11 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: OH

Complaint narrative:
All 3 credit reporting companies have not removed very old debt from my report ... I hired places to resolve this but to no avail .. all old debt is more than 7 yrs old and affecting my life ... thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
All 3 credit reporting companies have not removed very old debt from my report ... I hired places to resolve this but to no avail .. all old debt is more than 7 yrs old and affecting my life ... thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I took out my first Loan with 1st Franklin around XX/XX/XXXX in the XXXX, GA office in an attempt to build/re-build my credit. I XXXX XXXX up front if they reported to the Major Credit Bureaus and if this would help build my credit! She advised me that they had gotten in trouble regarding the FCRA but that was almost settled and that they were supposed to be back reporting before the end of XX/XX/XXXX and that there WOULD retro back to the inception of my loan and report it accurately on my credit report! I made my payments on time or early each month until XX/XX/XXXX - when Inpaid the loan off in full!! 

I then went back in XXXX of XXXX and took out a second loan and while speaking with the SAME employee ( XXXX XXXX ), I asked her about their credit reporting and asked why it had not reflected on my report that Inpaid my last loan off in XX/XX/XXXX!? She then advised me that they had experienced a setback and ensured me that they would be reporting by XX/XX/XXXX and that ALL of my loan information would be reported at that time!! 

Skeptical but desperate to get my credit built I proceeded with the loan! Several months go by and I experience some financial hardship due to some major medical issues and almost loose my car and was forced to get behind on my loan with 1st Franklin! Several more months go by and just out of curiosity, I pull my credit report and see that not only had 1st Franklin NOT reported me paying my first loan off early or at all for that matter but they had reported the a delinquent loan for the months that I had gotten bond on payments!! I had another loan with a different company in XXXX of XXXX that I paid off at the same time I paid 1st Franklin in XX/XX/XXXX and they had reported the loan paid off in full early but first Franklin seem to PICK & CHOOSE what they want to report to the credit bureaus!!!! 

I dont know if that is legal or not but it is DEFINITELY not fair practice and I feel that if they are going to report to the credit bureaus, then they should be required to report EVERYTHING and not be able to discriminate by picking and choosing what they want to report and hurting consumers credit scores!!!!

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 2018-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Let me be very specific. Capital One is a company that charges their credit card customers a late fee of $ XXXX, even if payment is made ON THE DUE DATE. They are playing games with EST vs. PST and that there is a time cut off for payments made on the due date. 

This is an egregious, outrageous and in my opinion, disgusting tactic to try and turn late payment fees in to a profit center. When I called in to complain in XXXX to get my fee reversed ( I had forgotten that auto pay had been turned off ) I was met with a rude customer service manager who could have cared less. 

As for my XXXX payment, I tried to pay both online ( their site would not accept new payment options at that time, on the XX/XX/XXXX when I tried to pay ) and my perfectly valid payment method ( a XXXX debit card ) was rejected when I tried to pay via their automated phone tool. 

Their customer service was also not available ( no human available ) despite the fact that it clearly says 24 hour customer service on the back of the card. Are they referring to the automated system that does not work?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent the attached letter to XXXX and Experian on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.

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 2018-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This phone number calls about 90 times in one month, three times a day every single day. They leave empty voicemail every single time, with no information about the debt or how to contact them, for forcing us to delete dozens of empty voicemails every week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have tried to deal with Navient several times asking them to to stop pushing their required amount they want me to pay every month which is around 400 dollars - I have expressed to them that I can not afford to pay that much - I have been sending in payments of XXXX dollars online and they are harassing me with emails stating they are going to send me to collections - they are unwilling to communicate back to via email and want me to call them - I am not going to because I was harassed by one of the representatives that are beyond pushy and try to force you into a very expensive payment plan- I need help from the CFPb to step in a help me keep my payments of XXXX dollars without Navient harassing to pay more that I can not afford and not to mess with my credit- I also have records of payments I have made - I also never agreed to pay they required payment amount

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent the attached letter to Equifax and XXXX on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: OR

Complaint narrative:
XXXX XX/XX/2018 I used the free credit reports website to access and print off all three of my annual credit reports. My name is unusual, and all three had multiple incorrect listings. I attempted to alert them to this, but the only avenue they provide is as a dispute, which must be handled they say via email. So email address and, weirdly, a password were required. Today, XXXX XX/XX/2018, I received an email from TransUnion congratulating me on being signed up for their service, only {$19.00}, no word or way to correct the names listing, and no email reply accepted. So I went to their online customer service page, which provides a phone number. Which I called, waiting some minutes, and finally spoke with " XXXX '', poor man. XXXX required my social security number, name, mailing address, pulled up my file, listened to my request to correct my name, then started telling me he had to ask me questions to verify my identity -- the same questions I'd answered the day before online. By now I'd spent 40 minutes on this and was becoming angry. He began asking the questions, but began to break up so I could not hear the multiple choices to answer, which I told him. I also said this was a ridiculous way for TransUnion to behave, apologized for my angry voice, that I wasn't mad at him but at his company, and that I couldn't hear him and was going to hang up. I also said I was going to complain about this bait and switch, starting with my state 's attorney general, and I hung up. I didn't contact the attorney general, I contacted you. 

My last name is two separate and equal words, which computers sometimes can not handle. Even so, I have had to correct only one account in the last 20 years, with XXXX XXXX. So there is no reasonable explanation for all these aliases. I also have two middle names, which complicates things somewhat but honestly, it can't be impossible in this day and age to get somebody's name right. Social Security can. I bet the IRS can, too. OK, that's it : incorrect names and trying to say I signed up for a service I did not sign up for when they know perfectly well they can themselves report my failure to pay them as a ding on my credit. Pretty furious at them. Hope you can help.

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 2018-04-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Debt Recovery Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX This debt is 5 years old and just recently I was contacted about it. I offered to pay it off if the company would agree to removing the records from the credit bureaus. 
The company said that they would mark the account paid but would not remove the negative information from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This originated from XXXX. I tried calling to get verification from XXXX which they have closed the account and XXXX XXXX is the collection agency. I have never received any mail from midland I have just seen it show up on my credit report. I am recently divorced and the debt was awarded to my ex husband in the divorce. I do know the debt with XXXX was not {$2800.00} which midland states. when I called to give divorce paper work the guy told me they are suing me but yet ive never had any mail or anything about paying them at all. Even when calling XXXX I was told not to worry about it and to disregard. I do know they can not charge more for a debt than the original debt was its illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I had by bank pay navient the monthly payment XXXX they paid on XX/XX/2018 I saw that navient didn't post it and had my account as late and added late charges. My bank called them and they said they got the payment but not sure why it didn't get credited to my account. Now it's a month later and nothing has happened except they keep calling and asking for payment..they say I should be getting the refund through the mail they can not put it thru my account. They have my money And I want it back so I can pay them. What should I do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Army and Air Force Exchange Service
State: LA

Complaint narrative:
XX/XX/XXXX - Original Written Dispute with AAFES over being reported for late payments while XXXX to XXXX. no response XX/XX/XXXX - Written Follow up with AAFES. no response XX/XX/XXXX - Written follow up again with AAFES. no response XX/XX/XXXX-XX/XX/XXXX - Applied for a VA mortgage Loan to purchase my home. I was approved and it closed inXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX - Denied Improvement loan. I was informed that information from AAFES for late notations was part of the financial decision on loan denial. I was of the impression that this issue had been favorably resolved during the follow up process. 
XX/XX/XXXX - Contacted via phone. Spoke to customer service rep and assured that the original dispute from XX/XX/XXXX was in my file and it would be re-sent to each of the credit bureaus.

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 2018-04-11 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Step 1 : What is this complaint about? Need to take Citi off my credit report.

Step 2 : What type of problem are you having? Closed account but showing up on XXXX.

Step 3 : What happened? Still appearing on credit report.

Step 4 : What company is this complaint about? Citibank Step 5 : Who are the people involved? Citibank Info : CBNA XXXX {$0.00} {$5000.00} 0 % Revolving Current XX/XX/2016 2016

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 2018-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In XX/XX/2015 I was charged {$620.00} by XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation