vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Originally my mortgage was approved by lender inXXXX and was forgiving XXXX dollars, unfortunately, fell behind one payment during that time and was kicked off of arrangement. Now my current financial has improved, however, this servicer ( Ocwen ) went to a new servicer ( PHHMORTGAGE ) and send in all documents however they claim that my lender which is the same lender THAT HAS ALWAYS BEING does not do any modification or extensions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had a store card with Macys back in 2015. Unfortunately, I had a financial issue at the time, and the account was charged off. I have since recovered, and started addressing the results of the financial issues I had in the past. I called Macys to pay the outstanding balance they are reporting on my credit report, but they refused to accept my payment. And although they refused to accept my payment, they still refuse to take the account listing off of my credit report. I want this account to show as paid on my credit report, but by refusing to accept my money to resolve the account, and also refusing to take the account off of my credit report, Macys is holding my credit report hostage. Not only is this unfair, it is illegal. A company can not refuse to accept payment, and still continue to report as debt as unpaid.

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 2019-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I received a denial letter in the mail for a credit card that I never applied for. The letter came from Comenity Capital Bank in XXXX Ohio and although it appears to look legitimate I know it is not. Upon further review you can definitely see that the letter looks very fraudulent. It looks like it is phishing for information from me and a lot of the words are misspelled. The reason for the denial is really odd as it states : Here are the reasons for declining your request : Lack of real estate Too few accounts paid as agreed Too few bank cards with high credit limit Too many inquiries I dont know about you, but if you are anyone with intelligence who has applied for a credit card and been denied before, these are none of the reasons that they deny you. They usually deny you for reason like delinquent accounts, not enough credit history, too much debt, not lack of real estate or not enough bank cards with high enough credit limits. When I read through this I knew this was not a legitimate denial letter. 
I dont recall applying for a credit card named XXXX XXXX XXXX I am in the process of paying off my debt so it doesnt make any sense. If you will also notice XXXX is misspelled and should be spelled XXXX. So I want to report this because if someone didnt know any better they would have fallen for this misguided attempt at a denial letter. The concerning part is they have pulled my credit score and attached it to the letter so they have to have access to my information somewhere. Do people really have nothing better to do with their time?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
this loan was made under false pretensis from the sales rep at the university they did not allow me to finish due to an accucation of plagarism- i want this load forgiven if possible as i was not able to finish - NAVIENT is unwilling to listen and they continue to deduct the monthly charge

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I went to make my payment last night ( XX/XX/19 ) to Paypal Credit. The balance was wrong. I had a charge this month for {$690.00} with 6 months same as cash. The only charge on the account ( XXXX ) was the {$690.00} but when I logged in to my account it said the balance was {$720.00}. Wrong Balance. I made my payment which was on time but at the time of payment their help line was closed. So, I called this morning and asked why I had the wrong balance. I was told it was a late fee ( {$28.00} ) that will be removed when my payment is credited. 
I WAS NOT LATE! Paypal credit added the charge before the payment was late. This makes this fee a fraudulent charge. No one can legally apply a late charge for an account that is not late. 
I believe the charge will be removed but I also believe this is Paypal creating a fraudulent charge that should be reported.

Paypal Credit is out to create an out of time charge. This fraudulent charge might only take each consumer for pennies but for a company the size of Paypal could quickly add up to big money. 
Please look into Paypal Credit and stop these fraudulent fees.

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 2019-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I paid off my loan with Ocwen in XX/XX/2019 and Ive never received my escrow balance refund. I called them 11 times to inquire about this issue, escalated with a manager and still its been almost 2 months and no one seems to know or care when am I getting my money back.

They blamed on the fact that my loan was transferred to PHH mortgage services and that they have no immediate access to the Ocwen mortgage accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I had a store card with XXXX  back in 2015. Unfortunately, I had a financial issue at the time, and the account was charged off. I have since recovered, and started addressing the results of the financial issues I had in the past. I called XXXX to pay the outstanding balance they are reporting on my credit report, but they refused to accept my payment. And although they refused to accept my payment, they still refuse to take the account listing off of my credit report. I want this account to show as paid on my credit report, but by refusing to accept my money to resolve the account, and also refusing to take the account off of my credit report, XXXX is holding my credit report hostage. Not only is this unfair, it is illegal. A company can not refuse to accept payment, and still continue to report as debt as unpaid.

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 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I had a store card with XXXX back in 2015. Unfortunately, I had a financial issue at the time, and the account was charged off. I have since recovered, and started addressing the results of the financial issues I had in the past. I called XXXX to pay the outstanding balance they are reporting on my credit report, but they refused to accept my payment. And although they refused to accept my payment, they still refuse to take the account listing off of my credit report. I want this account to show as paid on my credit report, but by refusing to accept my money to resolve the account, and also refusing to take the account off of my credit report, XXXX is holding my credit report hostage. Not only is this unfair, it is illegal. A company can not refuse to accept payment, and still continue to report as debt as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I had a store card with XXXX back in 2015. Unfortunately, I had a financial issue at the time, and the account was charged off. I have since recovered, and started addressing the results of the financial issues I had in the past. I called XXXX  to pay the outstanding balance they are reporting on my credit report, but they refused to accept my payment. And although they refused to accept my payment, they still refuse to take the account listing off of my credit report. I want this account to show as paid on my credit report, but by refusing to accept my money to resolve the account, and also refusing to take the account off of my credit report, XXXX is holding my credit report hostage. Not only is this unfair, it is illegal. A company can not refuse to accept payment, and still continue to report as debt as unpaid.

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 2019-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE

Complaint narrative:
XXXX recently took over my mortgage from XXXX XXXX. 

In exploring payment options for my new servicer, I have come across undisclosed penalties that apply to people paying WITHIN their stated grace period. In my case ... 

My payment is due as of the XXXX of each month, and considered late if not received within 15 days. However, if I elect to make one-time online payment, apparently there is a {$5.00} " processing '' fee that applies from days 6-10 and a {$10.00} fee for days 11-15. When I inquired why, I was told, " that's just the way we always do it. '' I confirmed that a check or other payment method would not incur these " processing fees. '' This is unacceptable. If I have 15 days from the first to make payment, I should have 15 days or they should be up front about these hidden penalties.

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 2019-07-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion is incorrectly reporting me as an Authorized User on the XXXX/XXXX - partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called and spoke to a representative and removed myself as an authorized user from this account. They removed me as an Authorized User on XXXX and XXXX  however Transunion has not removed this from my report. I have contacted the bureau to fix this issue however I was unsuccessful. This negative reporting is harming my credit score. This line item needs to be removed from 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 2019-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: NC

Complaint narrative:
I noticed this debt XXXX had been placed on my credit report. I am disputing the above referenced debt because I have no knowledge of this. Please verify this debt as required by the Fair Debt Collection Practices and regulations require all debt collectors to send specific written documentation verifying that I am the owner of the debt. 

Verification requires all of the following : Proof that this Account belongs to me. 
Proof that I was contacted in writing of this debt Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. 

I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: FL

Complaint narrative:
There has been a hard inquiry into my credit from XXXX XXXX that I did not apply for. I am concerned that someone has stolen my social security number and is trying to get credit cards in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: GA

Complaint narrative:
I contacted CMRE to dispute this debt in XX/XX/2019. They returned correspondence without proper validation while still reporting this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have already called XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX and XXXX   however Equifax has not removed this from my report. I have contacted the bureau to fix this issue but was unsuccessful. This negative reporting is harming my credit score. This line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There has been a hard inquiry into my credit from XXXX XXXX that I did not apply for. I am concerned that someone has stolen my social security number and is trying to get credit cards in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I sent a certified letter on XX/XX/2019 to EXPERIAN with 3 separate disputes, each one had a  separate cover letter and each one was separated with clips. They acknowledged 2 out of the 3 disputes that I sent but never opened a dispute for the last one or notified me of any results. The dispute in question is in regards to inquiries on my credit report that I did not authorize. I did send a follow up letter as well to address the issue and still no response. 

" Under the FCRA, a credit reporting agency has to review and respond to every dispute it receives within 30 days. If the review isn't completed because, as commonly happens a data furnisher doesn't get back to the bureau in time, the agency is obligated to remove the disputed record. ''

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 2019-07-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I WAS SCAMMED BY A COMPANY CALLED XXXX XXXX XXXX PHONE # XXXX. I PAID THIS COMPANY {$XXXX} 2 DIFFRENT TIMES. {$XXXX} ON XXXX-19 USING MY XXXX XXXX CARD AND {$XXXX} USING MY CHASE XXXX CARD. THIS COMPANY DID NOTHING FOR ME AND THEY WON'T RESPOND. I TRIED TO DO FRAUD ON THIS COMPANY AND UNABLE TO GET A REFUND. I REALLY NEED THIS MONEY AND NOBODY IS TRYING TO HELP RESOLVE THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I was experiencing a hardship. I call Comenity/XXXX  and made them aware and asked them what was it that I can do to save my account. They then put me on a program where I would pay a lower amount but I would still make my payments. As long as I made my payments one time they recorded it every month, but they reported to the credit bureaus that I never made a payment for 10 consecutive months when they sent me a letter stating that I fulfilled the program successfully. They refuse to update my report to show that I made my payment on time and for this my credit is being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
RE : Experian Credit reporting. I have been unsuccessfully trying to get a XX/XX/2010 Bankruptcy filling of of of their report. XXXX XXXX and XXXX have removed it. It can be removed in 7-10 years and it is the " only '' negative I have on any report. I have tried on XXXX XXXX and on XXXX XXXX. My credit would be excellent if it was removed and I should not have to wait 10 years. I have spent hours by phone with 5 different numbers. You go to a automated system and then recording comes on saying they can not help you.The ease of doing business with this company is horrendous. They will not answer the phone.When I finally did speak with some one in XXXX after over 1 hour of sitting on hold they said to bad I would have to wait the 10 years. They subsequently resubmitted the XXXX claim which produced the same unsatisfactory result. I would like the negative filling removed from my 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 2019-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I gained XXXX XXXX employment in XX/XX/XXXX. At that time my student loans were with Sallie Mae which eventually became Navient, the student loan service provider for both my government and private student loans. From XX/XX/XXXX-XX/XX/XXXX the foreign customer service representatives ( Navient Customer Service Reps ) gave the impression that I did not have to change anything and that my student loan will be forgiven in XX/XX/XXXX ( i began paying it back in XX/XX/XXXX ). XX/XX/XXXX was the year that I called the foreign customer service line and, again, i was led to believe and told not to worry that my student loan will be forgiven in XX/XX/XXXX. The Navient customer service rep. on the phone led me to believe me and my student loan qualified for forgiveness in XX/XX/XXXX. XX/XX/XXXX arrived and I found out I qualified for forgiveness, but my student loan did not. It made me contemplate XXXX. It was devastating. When I discovered that I qualified but my loans did not, I then began requesting to speak to US representatives. From XX/XX/XXXX-XX/XX/XXXX, I tried to get my student loans to qualify and still do not know the outcome. Basically, I had to start over from XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX through who knows how long. Today, in XX/XX/XXXX, I requested all call transcripts to Navient Customer Service via their website. My loans are finally coded to qualify or, so I think as direct loans but still unclear if the past 10 yrs. of public service will count toward my loan forgiveness. Thus far, those years don't seem to count toward public student loan forgiveness.

Company response to consumer: Closed with explanation