vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
This is a follow up to a prior complaint which was submitted XX/XX/XXXX ( Case Number XXXX. ) Ocwen made a loan modification agreement with the homeowner in XX/XX/XXXX which it then breached. The homeowner paid on that XX/XX/XXXX loan modification and was current for five years until Ocwen suddenly and unjustifiably refused to accept payments. Throughout that time Ocwen refused to acknowledge the XX/XX/XXXX modification. Ocwen did not properly adjust the account but instead continued to send incorrect statements and delinquency notices. In XX/XX/XXXX Ocwen commenced a foreclosure action based on the original note, even though that note had been superseded by the XX/XX/XXXX loan modification. <P/>A copy of the prior complaint is attached. Ocwen subsequently sent a response, but did not in fact address the issue. Ocwen 's response, exclusive of their exhibits, is attached. We now submit a response to Ocwen 's response and request that further investigation be conducted by Ocwen and the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
I had XXXX at XXXX Hospital in XXXX, CA on XX/XX/XXXX. They held the bill as long as they could in house. It went to collections after that & I was making all of my payments as agreed with XXXX XXXX XXXX for a very long time. Once in awhile I was late or forgot, and I would get a notice in the mail. I renegotiated a lower amount & made those payments until my divorce in XX/XX/XXXX. Then I made them as I could after I began working again. According to my records, by XX/XX/XXXX my Balance was down to {$320.00}. On XX/XX/XXXX I called to make a paymnt I would have normally made online, but due to their system issues or something, I was not abel to. I was told via phone by a rep named XXXX my balance was {$14.00}. I was shocked, I questioned, informed that was my balance & I paid it in full. {$14.00}. A few months go by, I am still questioning to myself that something was n't right, so I called at the beginning of XX/XX/XXXX, & left a voice mail. I received a letter dated XX/XX/XXXX from A/R Strat who now has taken over the account ( company took over XXXX XXXX XXXX ) He apologized for their error & now my balance was correct at {$310.00}. Since then I have made XXXX payments via their website, and none of which have been posted to my account. Not even after my complaint call on XX/XX/XXXX, to A/R Strat where I spoke to a rep, who then transferred me to a supervisor named XXXX XXXX She said my balance was still {$310.00}, & I had to send them proof of my payments to have them posted to my account. Needless to say I am XXXX XXXX. I paid {$56.00} on XX/XX/XXXX, {$75.00} on XX/XX/XXXX, & {$100.00} on XX/XX/XXXX leaving a balance due of {$81.00}. To this day they still are not posted to my account. I know this because I went online 2 days ago to make my final payment of the total balance due & low & behold ... the site still shows {$310.00} balance due. I sent XXXX an email with my complaint & it came back auto reply she is out of town & to talk to two other associates. I will be forwarding my emails to them as well. So from XX/XX/XXXX to now my payments are not posted at A/R Strat. Yet I called the hospital XXXX XXXX XXXX on XX/XX/XXXX & they had the same balance I did ... {$81.00}. .... Someone is not doing their job! This ca n't be the only account this is happening to! This has to be corrected & I want an apology and a XXXX balance due letter and I want any and all derogatory information about this account if it is on my credit file history to be corrected! Immediately! This is wrong! I never got any bills from A/R Strat ... only the one letter in XX/XX/XXXX. Nothing else. No phone calls, no email, no usps letters or bills NOTHING! Why??? What kind of monkeys do they have running this circus???

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 2017-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: NATIONSTAR MORTGAGE LLC
State: NM

Complaint narrative:
I gave the title company XXXX as per the hud1 attached.  It was for payments ahead since the attorney (realtor) said I could pay ahead on the land contract since REC are paid ahead, but mortgages are always paid arrearages.  However the payment did not go to the escrow company.  I asked XXXX XXXX in a claim I made to XXXX XXXX about the money and she did not provide the copy of front and back of the check to me to provide to escrow because the attorney who did the purchase contract between me, XXXX XXXX XXXX and the sellers, XXXX XXXX and XXXX XXXX, mortgagors for the wrap around mortgage does not have it in the escrow company the two attorneys chose, XXXX XXXX.  
The attorney is confused and did a default letter because he was not present when the contract he did was explained to us by the title company escrow officer, since XXXX XXXX, and XXXX XXXX was the title company preferred vendor.
Now the attorney says represents the seller, and I did not know that, I did not know I can contact an attorney, and I do not know if the buyer agent is then the title conpany
HOwever, the seller is in default of the mortgage because says never got my payments from the title conpany and that is why he was late and now owes XXXXK to the bank and they are foreclosing and says he has been in hardship due to the missing XXXX a the title company  Maybe the title conpay paid some other land contract?

However, I paid and I am paid until XXXX and they are taking the house awy from me.   The escrow conpay only has XXXX to offset the XXXX missing at the bank.  Please help tracing back the $XXXX from title company that propelled the XXXX missing from the bank through escrow.  
thank you we want to keep our house I am a single mother of XXXX XXXX, XXXX, and with one XXXX kid.

I got a substandard house i changed the ac, the heater, the water heater, repaird roof, floor windows and paid all months and only owe XXXX in my house.  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion had a glitch which remove inquiry 's the without 5 day notice place back on account. I called and was told it they would be removed and a credit report would be sent to showing update still have not received report showing that it has. I just called XXXX spoke to someone name XXXX from special handling and to told to contact CFPB

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 2017-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I took out a payday loan last XX/XX/XXXX for {$310.00} with Cash Central. I was n't able to pay the loan back at the time of the due date and continuously called my workplace without my consent, called my house and also my cell phone. I called them and told them not to call my work as I am working and I am not allowed to take personal calls on our work phone. The calls continued until I lost contact. <P/>On XX/XX/XXXX I received a call from a collector in regards to the debt and told me that I now owe {$560.00} and wanted to talk to me about a payment plan. I told them I will call them back when I am not working and to call my cell phone to discuss. Since then, they have continued to call my work and cell phone at times 3-4 times within a 6 hr period. I requested them to not call my work, but my request has gone ignored. <P/>I understand I owe the company a debt. But to ignore a consumer request not to call is unprofessional.

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 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have called Cap One to dispute several inquires on my report that I do not recognize I was told they will update this info on all 3 credit companies including a company callwd XXXX XXXX but yet this keeps happening 1.XX/XX/XXXX -authorized 2.XX/XX/XXXX 3.XX/XX/XXXX 4.XX/XX/XXXX 5.XX/XX/XXXX 6.XX/XX/XXXX 7.XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
I never received notice from LVNV that I was being pursued for a debt. I did not sign any contract for services not any contract  with LVNV. Because o was not advised of my rights to dispute I paid a settlement to LVNV however o am not liable for any debt to them.

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 2017-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: ID

Complaint narrative:
The first time I contacted Monterey Financial Services LLC was when a collection/derogatory mark was placed on my credit report in XX/XX/XXXX and they are reporting it as an account that was opened XX/XX/XXXX. <P/>I explained to them that I am a victim of fraud and that this is exactly the way my identity is being used, online and with addresses and emails that I am not associated with. They said they would not assist me, that I must " deal with '' the 3 credit bureaus. I requested a copy of my file and they sent me a copy of the application and an electronic signature dated XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I was dealing with my lender XXXX for a loan modification, I submitted my documentation only to find out they denied me. Instead of offering me the option to appeal they informed me my loan was being transferred to Nationstar. When my loan was transferred to Nationstar on XX/XX/XXXX it took them almost 2 weeks to get all the information imaged into their system, therefore leaving me no time to explore any options to foreclosure nor did they reach out to me for assistance. Now when speaking with Nationstar I am being informed that they are proceeding forward with the foreclosure sale on XX/XX/XXXX leaving me with 3 days to find a solution. They are refusing to review the documents because they state is is not 37 days before the sale, how am I supposed to get the documents and information when the loan was transferred after the time frame? Realistically, I would have not been able to get them the documents 37 days before because of when the loan was transferred anyways. They are just looking for an easy excuse to foreclosure but I will fight as I feel this is wrong and all my homeowner rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I want to bring this matter to your attention. I am certain that you must receive thousands of consumer complaints and many of them must be nothing more than angry consumers ranting and raving over nothing. I will attempt to not make this another one of those complaints and do my best to make this complaint effective yet concise. <P/>For 5 months I have been attempting to fight a collection account on my XXXX credit report that I do not owe. I have attempted to fight it with the three national credit bureaus. I have also attempted to fight it with the collection agency reporting the account. They go by the name of Enhanced Recovery Corpopration. Every time I attempted to dispute the account, the account would come back with investigation results of verified. after 2 months of disputes, I decided to call the collection agency myself. I spoke with a XXXX XXXX at ERC on XX/XX/XXXX-17. Because ERC kept verifying the collection account with XXXX, I decided to ask XXXX XXXX for any supporting documentation above and beyond a simple dunning notice that the amount they were purporting was owed was actually owed. I gave specific instructions to provide me with any itemization they had and any documentation with my signature. To this date I have yet to receive any paperwork and it is still on my credit report. <P/>I have n't just stopped being proactive in this matter either. On XX/XX/XXXX, I called because no documentation had been received and the thirty day validation period had expired on XX/XX/XXXX-17. I was told by ERC that they had received the requested paperwork on XX/XX/XXXX and had sent it out. I was supposed to receive it within 7 business days. That means XX/XX/XXXX. Again I did n't receive anything. I decided to be a little patient but my patience ran out on XX/XX/XXXX. I called ERC and was transferred to the office of the President or so they claimed. XXXX XXXX was the name of the representative who I spoke with at the office of the President. I told them that I had been waiting for months for this so called paperwork they had and informed them that if I had not received the documentation I would be filing this complaint. I even gave them my personal fax number and went trough the motions for them to have it sent to me by fax since their mail obviously was either not being sent or somehow not getting to me. XXXX told me that I would receive this purported documentation very soon. Here we are 2 weeks later and again no fax. ERC seems to not have a care in the world when it comes to following rules and regulations. What more can I do to make them follow the law and stop reporting accounts that do not belong to me? I have been at this for 5 months and they STILL ca n't provide me with any paperwork. Please look into this company as I 'm sure this is not an isolated event.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I was charged twice the amount of {$28.00} for XXXX XXXX XXXX ( XXXX ) transactions processed by my American Express Card ( AX ). <P/>I never purchased XXXX for this AX which I recieved for in XX/XX/XXXX. I only had XXXX for XXXX of my old american express cards which were both cancelled subsequently. <P/>When I called XXXX, I was told that their insurance services automatically gets transferred to any and future american express card. I asked them for cancellation and reversal of at least their recent charges on an airline ticket which has not been used yet, and they offered a partial refund of {$10.00} for a service which was not requested and not used!!! <P/>I believe this is a form of fraud because every service offered with a specific card must stay with that card and not get transferred automatically to future cards without a reminder or notice sent to the customer. <P/>I never received any written notice or phone calls regarding the automatic transfer of the XXXX to my new AX card. <P/>While they treat every new card as a new credit card and scrutinize the customer and his/her credit history, when it comes to their " unrequested '' services, its automatically transferred WITHOUT any reminder or notice to the consumer. <P/>Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
After my Husband died, I requested a loan modification. They not only ignored the request they put my name on documents I never signed. They also refinanced the home with a 30 year mortgage and now Wells Fargo refuses to answer my questions or to take my calls

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 2017-07-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in XX/XX/XXXX, I was making a deposit at Bank of America branch ( XXXX XXXX XXXX, XXXX, CA XXXX ). Based on the small talk with the teller, there were several withdraws, total at {$12000.00}, at several branches of BofA at XXXX, Florida. Right away, I knew someone somehow stealed my money as I 've never been there. Due to the fact, I speak limited English, I asked the teller to help and called the customer services of the B of A to report the fraud ( claim # XXXX ). On XX/XX/XXXX I went to local police station and file the report, the case # is XXXX. I was informed by the police officer, it 's better to contact bank of America to get the money back. Without hearing anything back, on XX/XX/XXXX, I went to the branch again to ask the rep to help and called the customer services of B of A and was told by services rep at customer department that it will take up to 3 weeks to do investigation and know the result. However, on XX/XX/XXXX, I received the letter that indicated that they denied my claim. I called the next day to ask for evidences, such as signature on the withdraws slip as it 's withdrew from the counter, also the surveillance video footage. I did n't hear anything back before I made another call on XX/XX/XXXX, I told them I never left California and never did any withdraw in XXXX Florida and wants them to showed me the evidence : signature on the withdraw slips and the video footage from that branch. They told me they 'll do more investigation and they need police department to authorize such request. When I went to police station and was told that they do n't this type request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have 2 companies on my Transunion Report that I did not authorize to do any inquiry on my credit report. One was XXXX XXXX and the Other XXXX XXXX XXXX. These have been on my report since 2015. I have asked Transunion to delete to no avail.

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 2017-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Activehours
State: MD

Complaint narrative:
I asked for help provided everything they asked of me. They still have n't reset my account. It takes 4 days for them to answer. They do n't use the screen shots I provided. They overdrafted my card and I took a screenshot of policy saying in that case there will be a refund. Please fix this asap

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2017 I contacted Equifax and XXXX regarding the Tax Lien that is on my account under Public Records. I requested that the specified companies remove the lien from my account according to the New Tax Lien law effective XXXX XXXX, 2017 that states 2 criteria for removal in which this lien qualifies because 1 ) they did not update with the county every 90 days and 2 ) The complete pertinent information is not listed on my report. Both of these companies stated they were n't aware of the new laws and that I had to file a dispute, and they are stating that they will have to wait for their company to implement such a change first.
<P/>
Please note : XXXX was aware of the new law and removed this lien from my report within 24 hours ...

Company response to consumer: Closed with explanation