vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage is in charge to collect my monthly payments for my house, i just find out that on XXXX/2020 my regular payments went up {$87.00} cents. on XXXX XXXX/20 they received my regular payment of {$1600.00} so I was short {$87.00}, My Daughter was helping me out sending bill payments online due to my heath, i was XXXX XXXX XXXX  of XXXX for a few weeks and could not check my mail. when i start open all my mail i found an intimidation letter fro PHH MORTGAGE dated XXXX XXXX/20 stating that i was in default due to missing payments, i download from my Bank all payments send from the last 5 month, because of the {$87.00} short on XXXX they being reporting me missing payments and also trashing my credit for past 3 month or more.with the three credit bureau companies. PHH is using this kind of tactical intimidation for customer like me loosing the house, i check the history of this company having class action lawsuits for being a predator organization, charging hiding fees. etc i would like this company to be investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
Recently I was looking at my mortgage and trying to work out how I could pay my loan off faster then the remaining 15 years. The amortization calculator was not adding up right and I was thinking it was because Id had different levels of interest rates during the first 6 years of the loan. I contacted Mr Cooper, who is my current loan service provider, to request an amortization schedule. I was devastated to discover that at the end of the mortgage period I will owe {$170000.00} plus {$22000.00}. There is a line in the contract that says If on the Maturity Date Borrower still owes amounts under the Note and Security Instrument, as amended by this Agreement, Borrower will pay these amounts in full on the Maturity Date. I mistakenly assumed that this amount was the deferred principle balance of {$22000.00}. There is another line on a different page the again states The loan is payable in full at maturity. You must repay the entire principle balance of the loan and unpaid interest then due. There is a payment schedule showing different interest rates and the payments amounts for years 1-5, year 6 and lastly years 7-22. There is not a balance due listed at the end. No where else in the contract does it say that that balance is going to be almost $ 200K. The language If on the Maturity Date should have been When on the Maturity Date. I feel like I was deceived or intentionally misled by XXXX. I didnt think I would need to pay an expert to look over a mortgage contract that was through a government assistance program such as HAMP, but obviously I was wrong. If Id been made aware that this was the contract they were asking me to sign I would have either tried to negotiate it or at least have been prepared to try and pay my mortgage down earlier. At this point I will be XXXX years old when my mortgage matures and will have to try to figure out how to pay $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: GA

Complaint narrative:
I have advised Experian on several occasions that the accounts with XXXX XXXX ( Origianl Creditor : XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX, do not belong to me and may be a result of Identity Theft. Experian has yet to prove where they got this inaccurate information and will not correct the inaccurate information. Please help me get this issue resolved.

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 2020-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have try to work a payment plan with Target stores! No success there! Due to XXXX Im unemployed!! Limited income! Last payment made on XXXX XXXX {$82.00} card balance {$160.00} now card balance {$320.00} due to increments of {$39.00} in late fees!! Dont mind paying interested!! I have try to work a payment plan!! Dont agree with late fees!! I appreciate the understanding of the situation we all leaving now!!! Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In XXXX, I had opened a credit card with XXXX XXXXXXXX XXXX XXXXXXXX, Account # XXXX, opened on XX/XX/XXXX. The Account type on my credit report shows a revolving balance and closed account, however this is now over 7 years old, almost 8 years old, and is past the statute of the state it was opened in XXXX XXXX, it is over in XXXX  and where i currently live in XXXX. 

After working with XXXX XXXX over the past year, sending dispute letters and still seeing this on my credit report, I would like this removed immediately from my credit report on XXXX, Equifax and XXXX, ( all 3 major credit bureaus ). 

This is not legal, and i really appreciate your help. The current balance shows {$5900.00}, with a credit limit of {$5000.00}. 

My SSN # is XXXX DOB XX/XX/XXXX Mailing Address : XXXX XXXX XXXXXXXX XXXX   XXXX, XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Hi TJX Rep ; How are you and hoping that you're safe and sound during this pandemic that we're facing. I just pulled my credit and noticed a late payment of {$6.00} on this account. I'm not sure how can this be even possible during this COVID-19 that we're facing. I was shocked when I reviewed my credit report and found that late payment in XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/2019 was my first appointment with XXXX XXXX XXXX an XXXX XXXX practice. This visit was originally suppose to be coded and billed as a " First time new patient visit to establish '' and it was not as reported by XXXX. I later received this bill and have been in dispute of it because in all the years I have been on XXXX and XXXX I have never paid for a doctor 's visit except for any copay that might be due which was about {$3.00}. 

I contacted the billing department at XXXX and XXXX and they have said they would take care of this issue. I was billed again and contacted the billing department again and they said the doctor is refusing to update the notations so the right coding can be submitted to XXXX. Today I received a debt collection letter about this bill that should have never been from day one. Even after my check-in on that first visit and I was advised there is no copay or no bill that would be due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: TN

Complaint narrative:
I ORIGIN THIS DEBT WITH XXXX XXXX WHICH I HAD BEEN IN TOUCH WITH XXXX  DISPUTING THE AMOUNT AFTER COMING TO AND AGREEMENT OF AN AMOUNT THEY THEN SOLD IT TO A COLLECTION AGENY XXXX THE NAME OF ANFI AND I HAVE SENT LETTERS TO THEM ASKING THAT THEY VALIDATE THIS ACCOUNT AND REMOVE IT FROM MY CREDIT. IT IS LISTED ON CREDIT AS AFNI INC ( ORIGINAL CREDITOR : XXXX ) IN COLLECTION AS DEROGATORY, DATE OPEN XXXX FOR {$1200.00} LAST REPORTED XX/XX/2020 DATE LAST ACTIVE XX/XX/2020 WHICH THE OPEN DATE AND DATE LAST ACTIVE THE SAME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2020-07-30 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2020-07-30 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISCARGED XXXX XXXX  XXXX {$27000.00} XXXX  XXXX {$980.00} XXXX   XXXX {$590.00} XXXX  XXXX {$5500.00} XXXX   XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
To whom it may concern : I am writing to you regarding the following Capital One account : opened date : XX/XX/2018, limit {$2000.00}. 

I am very affected because of this situation, I have XXXX XXXX  and some other damages. Capital One is being unfair, negligent, and they are also committing multiple violations to my rights as a consumer.

Here are some of them : 2. Not being able to obtain loan.

3. XXXX XXXX

4. Unfair business practices.

5. Negligence.

6. Failing to mark account affected by natural disaster.

7. Failing to mark account as disputed. 
etc. 

I am opened to discuss this with Capital One. I have make my research, and created some documents for Capital One. I know these gys will take this seriuosly. They have always been known by their human side and fairness.

Please send to Capital One the documents that I have uploaded.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Hi Express Manager ; How are you and hope that you're safe and sound during this pandemic ( COVID-19 ) that we're facing. I just pulled my credit and noticed a late payment on XXXX 2019 on this account. I'm not sure how can this be even possible. I was shocked when I reviewed my credit report and found that late payment in XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My case reference ID with PayPal XXXX I used PayPal direct deposit to receive benefit payment into my account which was a total of XXXX usd On XX/XX/20 PayPal then limited my account same day I was unable to withdraw funds or even send money I contacted PayPal immediately on XX/XX/20 PayPal only response to me was they couldnt do anything my money was to be held for 180 days and that was it I have bills to pay that cant wait for 180 days to come I contacted PayPal on several occasions throughout the week and only got a sorry theres nothing we can do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citi Costco credit card will not be reissued and expired by the end of XX/XX/2020 due to a charge-off on another credit card account issued by Citi. I contacted Citi and informed that I paid the charge off amount of {$340.00} on XX/XX/2020 in good faith awaiting the result of pending investigation from their recovery department. However Citibank still decided to close my costco credit card which results in loss of all my reward dollars for the year 2020 in the amount of {$380.00}.

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 2020-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
On XX/XX/XXXX, we were contacted by XXXX XXXX at Freedom Mortgage who informed us our VA Loan was eligible for an IRRR. We completed the paperwork to lock in everything on XX/XX/XXXX. On XX/XX/XXXX, I reached out to XXXX via email because we had received no update. We were contacted on XX/XX/XXXX to schedule our closing. It was scheduled for XX/XX/XXXX and we were told to not make the XXXX payment. The week prior to XX/XX/XXXX, we were contacted by XXXX XXXX XXXX to confirm the appointment and get our gate code. On XX/XX/XXXX, we received the appointment reminder email. On XX/XX/XXXX, the appointment time arrived and no one showed up. We contacted XXXX XXXX XXXX and were told that the notary was not coming because there had been a discrepancy in the closing disclosure and although it had been resolved, the paperwork did not arrive in time for the notary to get everything. We were told we would be contacted for it to be rescheduled. I also emailed our Loan Officer, XXXX XXXX. I was contacted that evening by a customer service person apologizing for the issue and letting me know that it would get rescheduled. 

We heard nothing back from anyone. On XX/XX/XXXX, I sent an email to XXXX asking about the appointment getting rescheduled. He replied 'I will get the scheduling team to call you today. I was unaware, my apologies. I will handle this now '. A couple of hours later, I received a phone call from someone asking when I was going to make our XXXX payment. To my surprise, I was told we needed to make the XXXX payment or our credit would be dinged. We didn't make the payment at the request of Freedom Mortgage and they failed to do their job. Even after escalating the issue to XXXX XXXX, we are being told we have to make the XXXX payment to avoid something being marked on our credit. And, that we have to make the payment to be able to move forward with the IRRRL. This is absolutely absurd.

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 2020-07-30 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: NV

Complaint narrative:
1. On XX/XX/XXXX, I called CapitalOne and requested to make a transfer of funds from CapitalOne to XXXX XXXX XXXX. The representative from CapitalOne instructed me to initiate the transfer through my CapitalOne banking app. I put my XXXX credit card information in correctly on the app and submitted the transfer request for {$3000.00}. 2. On XX/XX/XXXX, I received a statement on my app that the transfer was made to XXXX XXXX as opposed to XXXX  ). I do not have a XXXX account. I called CapitalOne and told them I do not have a XXXX account. The representative from CapitalOne told me to wait 14 days to make sure that the money did not go to XXXX. 3. After 14 days I called back, and CapitalOne ( a supervisor ) told me that they would have to put a stop to the check that they incorrectly sent to XXXX. They said that this would take 5 working days. 4. I waiting 5 days and called CapitalOne back. The money was not returned to my CapitalOne account. A CapitalOne representative said there is nothing they can do because the check was cashed by XXXX. They told me to go to XXXX and to request the money be returned to CapitalOne. I called XXXX, and they told me that CapitalOne needs to request the check from XXXX. CapitalOne then sent me a copy of the check. On the check, it shows the XXXX credit card number that I entered into the app correctly ; however, the address on the check shows that it was sent to XXXX and not XXXX. 5. I went back to XXXX and they said they could see the check in their system, but that CapitalOne needs to request the check. I went back and forth for months now, and CapitalOne is refusing to resolve the issue and are insisting that I pay the {$3000.00}. 6. I went to a physical XXXX bank, and although they were not able to help me, they told me that CapitalOne has incorrectly sent checks to XXXX before and that I was not the first person to have this issue. XXXX. I have filled out a previous report with the CFPB, in which CapitalOne said they faxed XXXX a request for the money. XXXX on XX/XX/XXXX sent me a letter saying that they did send the money to CapitalOne XX/XX/XXXX, and that it was cashed by CapitalOne on XX/XX/XXXX. On XX/XX/XXXX I called CapitalOne and customer service was saying that they were not able to help me and that they have no record of the check being sent to them from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISCARGED XXXX XXXX  XXXX {$27000.00} XXXX  XXXX {$980.00} XXXX   XXXX {$590.00} XXXX  XXXX {$5500.00} XXXX   XXXX {$590.00}

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 2020-07-30 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISCARGED XXXX XXXX  XXXX {$27000.00} XXXX XXXX {$980.00} XXXX   XXXX {$590.00} XXXX  XXXX {$5500.00} XXXX   XXXX {$590.00}

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 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Loan modification done by Greentree/Ditech in XX/XX/XXXX My principal balance before modification was {$160000.00}. 

My principal balance after the modification changed to {$190000.00}, a difference of {$28000.00}. The modification states that {$28000.00} is of the new principal balance and that shall be deffered. 

Ditech added it to my new principal balance and deffered the same amount totalling {$56000.00} I have been paying my modified mortgage since XX/XX/XXXX on the principal balance of {$190000.00}, and am now down to {$180000.00}. 

Ditech included the {$28000.00} in to {$190000.00} ( my current payments ), and are still saying this same amount is deffered. 

{$190000.00} ( modified new pricipal ) plus {$28000.00} ( deffered amount ), totalling {$22000.00} for a house i have been paying mortgage since XXXX

Company response to consumer: Closed with explanation