vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My mortgage was recently ( a few months back ) assigned to PHH Mortgage. ( I'm fairly certain it was an assignment of the loan, as opposed to the servicing function, but I'm not sure. ) My complaint related to fees they're charging in connection with online and phone payments. They are also having recurring issues with their website payment portal. 

My previous mortgagee did not charge any fees for online payments. As soon as PHH got involved, they started charge {$7.00} for each online or phone payment. When I questioned them, their position is that I am electing to pay the fee by not paying via check or a recurring automatic payment ( apparently they don't charge the fees for those forms of payment ). All of their communications go to great lengths to reassure you that you've consented to the payment, and that they retain a portion of it and pay a portion to the third party service. 

PHH also has a buggy payment website. It works about half the time. Today, I tried to log on to pay my bill, but the site was down. On the call, they acknowledged the recurring problems and said they're working on it. 

Finally, I have questions about their escrow practices. The previous mortgage company would send me checks periodically because my escrow balance would exceed the maximum allowable limit they are permitted to hold ( which I believe they said was something like your estimated insurance and tax expenses over the next six months ). I have not gotten any refunds from PHH, and my payment has been going up. ( One increases was legitimate and happened in connection with an increase in my insurance premiums ... about {$100.00} increase in premiums for the year ). I can't explain the other increases. 

I don't have dates because I can't log onto their website, but I tend to pay me mortgage during the last few/couple days of each month. So, the fees have been charged near the end of each month for the past several months. 

Thanks for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Called MDS on XX/XX/19 at XXXX. Representative told me they sent statement out but never received, asked for info so I could pay online once I verified who they were, refused to provided because they would have to rekey it on their side so it would just be easier to provide to her and claimed she didn't know what info the website asked for- is this not your same company? Asked if they could resend statement and said already sent once so no, just kept repeating the balance due. I advised I was unsure why a statement couldn't be sent out again and the representative got loud and said she had already told me 4 times that they sent it out once and that BY LAW they don't have to send me anything else because I had 30 days to dispute the debt, and I guess that time frame had passed. I clarified again what she said repeating " BY LAW? '' to her as the reason she couldn't provide me information and she said yes because this isn't customer service they are a collection agency. I verified who the original owner of the debt was and disconnected the call because she was continuing to be loud and rude when all I wanted was information on what this was since I wasn't aware.

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 2019-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
This is my 2 time making complaint about Well forgo I live XXXX XXXX XXXX XXXX XXXX La XXXX for 20 years in XXXX XXXX LA. XXXX I was in process of renovation of XXXX XXXX XXXX XXXX XXXX LA. XXXX I was in repayment also because I was paying rent to keep in mind this not easy because the house was hit by Hurricane Katrina and Rita but I was trying to make it liable for my family. They Wells Fargo sold the property. I have telling this story many of times with no help we My brother XXXX XXXX took very ill at that time he had ( XXXX XXXX ) power of attorney, Tring very hard to help me brother get better maintaining the house and living on a rental property while the house was in renovation was a very challenging time for me and our family. We put a lot of work into the property to lose it and thy know our situation. This took place XX/XX/2010 If you can help me please let me know. My address is XXXX XXXX XXXX XXXX La XXXX It very hard to pass by XXXX XXXX XXXX XXXX and the house is turning into a blotted house, I can send picture of the house before foreclosure. 

XXXX XXXX XXXX XXXX XXXX

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 2019-10-31 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: FL

Complaint narrative:
I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

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 2019-10-31 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: FL

Complaint narrative:
I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit Reporting Agency only replies with account verified. 

XXXX  has removed XXXX XXXX Account history due to an agreement honored by XXXX XXXX and myself. Their reporting date is XXXX of each of month. Experian is still reporting this inaccuracy that they are in fact not getting from the Original Creditor. I confirmed the honor of my agreement with customer service representative XXXX by calling ( XXXX ) XXXX XXXX XXXX on XX/XX/XXXX at XXXX. The account is listed as XXXX and if any Agency has this XXXX XXXX account listed as an entirely different account number then just be aware that I only have one XXXX XXXX account and it should reflect any delinquencies or derogatory information at all. 
Experian is also still reporting derogatory marks on my credit report for XXXX/XXXX XXXX : XXXX, which was deleted by XXXX  & XXXX  after a satisfied agreement with creditor/inhouse collections back in XX/XX/XXXX.

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 2019-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
On XX/XX/2019, I was contacted by Enhanced Recovery Company regarding a debt from XXXX  of {$740.00}. I asked the representative to provide me with an address that service was established and an account number.The representative could not provide me with this information. I informed the representative that this was not my debt and questioned how can they report something on my credit file that they do not have all the information about. She instructed me to go to XXXX ID Theft and fill out a fraud affidavit, on such affidavit, it requests information like, an account number and proof of residency during the time the account was established. 
I contacted ERC again, to inform them that I couldn't successfully fill out an affidavit without that information and they told me that i had to pay the debt even if its not mines to get this removed off my credit file. I did send a request that they validate this debt as mines and provide me with relevant information and have not received any information from the company to support my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I WAS SUED IN 2011 FROM XXXX XXXX XXXX FOR TWO XXXX  XXXX XXXX CREDIT CARDS..NOW THIER IS 2 JUDGEMENTS. THESE ARE LISTED IN BK. XXXX

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 2019-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The company calls several times a day, most recently on XX/XX/2019 at XXXX. They call from multiple numbers. Never leave a message when the call isn't answered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CL Holdings LLC
State: PR

Complaint narrative:
Jefferson Capital Systems , LLC acquired an overdue debt from XXXX XXXX in the name of XXXX XXXX, reflecting an outstanding balance of {$14000.00}, approximately XX/XX/XXXX. The outstanding debt is related to the purchase of a XXXX XXXX XXXX To accommodate the refund of the balance, I was given a payment of {$3000.00} as a total payment, payable in 48 monthly installments of {$62.00}. To take advantage of this special rebate plan with discount, the first payment must be made before XX/XX/XXXX. I could not make any payment since there was a reduction in my work hours to 20 hours per week at {$7.00} per hour with a salary Week of {$690.00} monthly. Unable to comply with the payment, deliver the bus as a guarantee. In addition, the bus suffered damage with the passage of Hurricane Maria and had to take a loan to XXXX to secure it. Currently Jefferson Capital System has sued me and they want me to pay the amount of {$14.00}, XXXX. This situation is affecting my health. I need you to help me since I don't have the money for a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Responded to an email offer from American Express offering XXXX Membership Rewards for each person I added to my account if they spend {$250.00} in first 3 months. 
I added my son and daughter and they each spent in excess of {$250.00} within the first 3 months of being added to the account. Contacted Amex and they claim that there was a link that should have been accessed at the time they were added. They did not dispute that the terms were met. I find this to be a deceptive practice. I contacted AMEX XXXX and they failed to resolve the issue. Communicated with representative for about one hour from XXXX hrs thru XXXX hrs. Stated they would open an investigation which will take 6-8 weeks to complete. 

This was the email offer I received on XX/XX/XXXX : Add your significant other, an employee or your child ( 13+ ) to your account, and give them access to all the little pleasures and unforgettable experiences that come with carrying an American Express Card XXXX Then, whenever they make an eligible purchase, from a trip to their favorite taco truck to a new set of trainers, youll earn the rewards. 
Earn XXXX Membership Rewards Points Add new Additional Card Members to your account through this email and earn XXXX Membership Rewards points after they spend {$250.00} in eligible purchases on their Card in their first 3 months of Card Membership ( limit XXXX Membership Rewards points. Offer ends XX/XX/XXXX. 

My son has spent {$360.00} and my daughter {$250.00} to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-10-31 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: FL

Complaint narrative:
I AM DENIED CREDIT BY EXPERIAN & ALL CREDIT REPORTING AGENCIES, BASED ON UNPAID MEDICAL BILLS. ALL MEDICAL BILLS WERE PAID IN FULL BY MEDICARE PART A, DOCUMENTS EXIST OF PAID IN FULL.. ALSO I AM DENIED CREDIT ON A NON-EXISTANT DEBT ON XXXX XXXX XXXX  XXXX XXXX AMOUNT {$130.00}, THE ACCOUNT WAS CLOSED IN XX/XX/2016, THIS DEBT WAS INCURRED AFTER CLOSE OF ACCOUNT. I AM TOLD I HAVE A DEROGATORY PUBLIC RECORD & OUTSTANDING DEBTS, THIS IS NOT ACCURATE OR TRUE.

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 2019-10-31 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: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I went on line to get a loan for debt consolidation. LoanMe was able to offer me a loan. I was given a few loan options with the highest amount being {$7600.00}. The options and terms are attached below. I wanted to get the option with 48 months but the loan officer only offered me the 84 months option and told me that's just how the loan was set up. I have the email conversation saved. Of course the 48 months option was the best deal for me and the 84 months option the lender would make more money, which also means more commission for the loan specialist. I just felt that the loan specialist did not have my best interest. He should be able to set up the loan if it was one of the options given to me. I contacted customer service department on XX/XX/XXXX and spoke to Ms XXXX to try to work out a better option. I asked her if she could investigate to see if there was anything she could do to give me the better loan option with 48 months term. She said that was just the loan I signed for. But i still feel like it was predatory lending. I really needed the loan because my husband was in the hospital and he lost his job. I only made $ XXXX/hr at the time as a preschool teacher. My monthly payment is {$560.00}. After paying all my other bills, it is very difficult to pay any additional amount as I have tried to for the past year. It made more sense to give me the 48 months term based on the income I had. I would be able to pay it of in 4 years worse case scenario than to pay it of in 84 months. 

I borrowed {$6600.00} + {$950.00} origination fee = total loan amount {$7600.00} For 84 payments of {$560.00}, total payment would be {$47000.00} For 48 payments of {$580.00}, total payment would be {$27000.00} As you can see, the 84 payment plan is almost interest only and i still owe about {$7500.00} after making payments for about a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I have a PNC Bank Rewards credit card. I called their customer service department to request a lower APR interest rate. I was told by the agent on a recorded call that my APR would be reduced 6 %, effective my next statement. 

Upon receiving my next statement there was not the promised APR reduction. I called in to PNC back asked to speak to a supervisor to lodge a complaint. I spoke to a supervisor who said they would pull the call, listen to the call and see if they could help me. 

Today I received notification from PNC bank that they were unable to offer me the 6 % APR reduction that I was promised on a recorded call. I asked for a copy of the call with the agent and was denied. 

I am filing this complaint as this is very deceptive and dishonest. I was promised a 6 % APR reduction by the PNC bank agent, and come to find out this will not be the case .... 

Please help me with this matter, Very truly yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: EQUIFAX, INC.
State: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-31 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: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Portfolio Recovery Association LLC is Negative Re-aging a old charged-off account from XXXX XXXX. By changing the first delinquency status on a old account Ending in XXXX that was a secured card back in XXXX they bought the account in XXXX. And listed it on my credit report as first delinquency date of XX/XX/XXXX making it look new as if I made a payment, and its a current payment on my behalf when XXXX XXXX applied the {$700.00} dollar security amount to a $ XXXX+ debt in XXXX. XXXX they listed it on my credit report as account type ( factoring company ). Further damaging my credit. I keep disputing the account somehow they keep convincing the three credit bureau as if its current and legal reporting, when its outside the statute of limitations. For both filing a lawsuit or reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX  report : Account Number : XXXX : Source of dispute information : COMENITYCB/XXXX Dates associated with item being disputed : XX/XX/2011 Explanation of item being disputed : Product not received, it shouldnt still appear on my credit report. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: MD

Complaint narrative:
HIRED LAWYER TO LOWER FEE. NO RESPONSE. HARRASSING CALLS ETC

Company response to consumer: Closed with explanation