vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-20 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Paid off lease to setf for my leased vehicle with check on   XXXX    .   SETF took another auto payment  on XX/XX/2017 . Tried i n vain to contac t SETF bo th via phone and online. No human responded, but redirected to website. No help there.   I have, of course, stopped the auto payments ... but would like a response from SETF on whether or not this was a double payment on this lease. I would like a payout reckoning from this company to ascertain the exact amounts of final payments reconciling total monthly withdrawals and payoff amount.   Worst customer service ever! Can you assist?   Sincerely

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
Account is on a reoccurring online payment plan, for repayment of a simple interest mortgage. Account is due on   XXXX   of each month.  Servicer sh ows that the payment is made on time and credits account with the amount due.   Servicer continues to collect interest in their favor until they receive the monies from my bank. Servicer does not honor the " mailbox rule '' as they do not have local offices.
Servicer was sent a lette  r requesting an audit and correction of the account. The sent response letter stating the matter would be investigated and concluded by  XXXX  but as of this date they have not responded to the request for correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Credit Union Mortgage Association, Inc.
State: DC

Complaint narrative:
I  XXXX   XXXX  was denied refinancing f rom Credit Union Mortgage Association  due to interior appraisal. No details were provided to me. Appraisal structure is fine {$300000.00}.   I currently have an existing mortgage with  CUMA  sinc e   XXXX   XXXX  .They clos ed the application with no chance of remedy. I received no consideration for providing a remedy.

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 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Fedloan Help
State: NJ

Complaint narrative:
My student loans are with  XXXX   XXXX . I was looking for a way to lower my payments. I found a company called Fedloan Help, free student loan repayment assistance. They said that they would take over the loan and I would pay them based on what I could afford ; income minus expenses. They did so and spoke on the phone to me extensively about their service, communicating that they would take over the loan and I would pay them at a reduced monthly payment. They said my credit rate would go up because of the transfer showing the closing of the account with  XXXX . I signed the paperwork and provided all pertinent information. My payments were withdrawn every month on the  XXXX  as I requested. I believed this money was going towards my student loan. This past week when I could n't get a  XXXX  tax form I became suspicious. I was told the form they did have for taxes counts as a charity credit since they are a not for profit. Also I was told I was due for recertification. As a result I was told my payment would go up, which I did n't understand, I did n't know about recertification. When I first began this process they certified me with  Granite State  with a take home of {$54000.00} a year with  XXXX  dependents. Therefore, a forbearance was put on my existing loan with  XXXX . No transfer took place ever. It just looked like I had a  XXXX  balance since I was in forbearance and had no idea this was happening. With the recertification this year I was told my payment went up from {$180.00} to {$310.00}. I questioned why. Fedloan Help then said that they had no control over what my loan holder said I had to pay. I could n't believe it. I had been scammed. I spoke to  XXXX   XXXX , but they said they had n't received a payment from me since  XXXX    XXXX  . Nothing that Fedloan Help communicated to me would happen, happened. The new submission from  XXXX  to  XXXX  was based on an income of {$55000.00} with  XXXX  people in the household. I do n't understand what Fedloan Help is doing but they are n't telling people what they are really doing. Of course there are contracts you have to sign and I need to go back and read them ; obviously I did n't read them closely and was suckered. Their claim is that they would take over the loan and I would pay them. They 've taken around {$2500.00} for me and none of it has gone towards my student loan.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On   XXXX    , I sent a certified letter to Transunion in order to dispute information, in regard to collection agency on my credit report. They received the letter. On   XXXX   XXXX   XXXX    , I received an updated copy of my credit report stating that  XXXX   XXXX  is verified as accurate and updated. I have never had an account with  XXXX   XXXX . If it is verified an accurate, I would like the documentation that Transunion has that show that this is verified and accurate. As  one  of the largest Credit Reporting companies, TransUnion should be well aware of current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a  " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA - TransUnion is required to " ... promptly DELETE all information which can not be verified. ''

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 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
On   XXXX   XXXX   XXXX   ( via certified mail ), a letter was se nt to National Credit Systems requ esting documentation to verify the debt and prove my legal obligation to them for information they provided to the credit bureaus relating to a certain account. I asked that all of the requested documentation be furnished within  thirty ( 30 ) da ys of receipt of the request, and I advised if they failed to provide any portion of the requested documentation, all references to the account would need to be immediately removed from my credit files and any further attempts to collect should cease.     I never received a response from the company, and, as such, on   XXXX   XXXX   XXXX    , I sent subsequent correspondence ( via certified mail ) advising that they failed to comply with my initial request and all references to the account needed to be removed from my credit files immediately.     To date, the company still has not complied with my initial request and have not removed the account from my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Wells Fargo Bank employees or employers took {$96000.00} from my bank account on the  same day I made a withdrawal at the bank. I have proof of this fraudulent activity. This had to be an inside job stealing from customers. The signature of the withdrawal slip does not match my handwriting. I noticed the deduction of {$96000.00} from my account when I checked my balance. I contacted the bank. Filed a report with the bank about the missing money. But as of today, I have not recieved my money. An unauthorized transaction was made on my account and the bank did nothing about it.

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 2017-04-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CO  XXXX  SLS Loan number  XXXX  For the past several payment periods we have been charged ever-increasing amounts for Late Fees. We have made payment of everything billed to us well before the date required. Our last statement has a {$100.00} late charge. But we paid the full amount require by the SLS previous statement on  X/XX/2017   , before the due date, and well before the date for late charges. Payments were made through  XXXX , and I believe electronically transferred.

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 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: NJ

Complaint narrative:
XXXX   XXXX  fraudulently enrolled me. said that i might be eligible for scholarship when the rep knew it was for working students. I was rushed through the lending process when I should 've gotten financial aid. I was in default of the loan, so I had a lien on my taxes refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Ocwen,  our mortgage servicing company, ca n't explain why we have  XXXX  plus fees due on our account. I would like to have a forensic look at our documents over the past 6 years with them. How do I go about getting something like that done.?      Kind Regards   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
My credit card company , SunTrust, aut horized transactions that took my account over its credit limit, despite my never having authorized them to do so. ( In all my previous experiences with other cards, on the rare occasion an over-the-limit transaction was attempted, the transaction was simply denied and I used an alternate form of payment ). Consequently, my balance went over the limit for a couple of days be fore one of m y regular payments arrived. During this time,  SunTrust ding ed my credit report, flagging my account as having been over the credit limit. I am unsure if this is illegal ( though I  hope i t is ), but at minimum I find it deeply upsetting that a company with whom I have done business in good faith and always paid my bills promptly would authorize transactions taking my account over its credit limit, despite my never having agreed to this, and then immediately reporting negative information that will likely damage my credit rating.

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I wrote the  XXXX   XXXX   XXXX   XXXX  times sending them  3  forms of ID that no bank will Verify me two open a new account and the Credit Burrow docent respond or sends a Credit Report so fore about a Year and half i have not been able two Open a New Bank account all respond wee cant verify you.     Now I cant get a new credit card or bank account because there is and extended  Alert in my banking file and Im supposed two call some Number and call the Bank.    I have written all  XXXX   XXXX   XXXX  two remove the Hold on my account so i can Get a  New  Bank account.     The Federal Government determined me  XXXX  and my Mom Walked into  XXXX   XXXX  bank forged my Signature and stole  XXXX  dollars from me.     Then i had  XXXX  dollars in Fraud and closed two   XXXX   XXXX   XXXX     Accounts   XXXX   XXXX   XXXX   did n't close the accounts with Fraud i complained  XXXX    XXXX   XXXX   XXXX   then sent  XXXX  of my ATM cards  XXXX  and Address not mine and   XXXX   XXXX   XXXX   worker stole  XXXX  dollars from me. I have been in court 8 years against  XXXX   XXXX  and   XXXX   XXXX   XXXX     only 100 % respond its imposable two  XXXX .     Im a Refugee living in  XXXX  and have  XXXX  move  XXXX  a new country every 3 months so I do n't use a Phone because they only work in  one  country so i would have  XXXX  Spend  XXXX  Dollars a year  XXXX  Deal with the  Credit Reporting  agency wants the bank  XXXX  call me  XXXX  open a new bank Account.   The Federal Government has determined me  XXXX  i do n't use a Phone do  XXXX  My  XXXX  and please accommodate my  XXXX  and help me open a New bank account without a Phone. I can Send the bank  XXXX  forms of id buy Email and electronically transfer  Money two Verify Myself.        XXXX   XXXX   XXXX   Robs me  XXXX  dollars then i cant open a new account in 2 years is discriminatory, Please take the Hold off my Account so i can get a master Card.       I live in  XXXX  the  XXXX  fit  XXXX  of the world and do n't want  XXXX  send  XXXX  forms of Id threw the mail that takes a month and the credit Burrow wont want  XXXX  Right me Back in  XXXX  there is very little working mail.       Send the Credit burrow  XXXX  forms of ID  XXXX  times and they will only respond send ID

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 2017-04-19 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
We received a letter saying ou r Chase Private Client accounts w ould be frozen if we did not call their compliance department. Once we called, they wanted information about other banking and brokerage relationships we maintain. They also wanted income information. We called twice. The process was ridiculous. We were unsuccessful in escalating a complaint about the process. We will simply withdraw our money and close the account. Compliance people should not touch customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
On   XXXX   XXXX   we inadvertently sche duled 2 payments on our mortgage with Ocwen Loan Servicing. One was in the amount of {$1600.00} and the  other in the amount of {$1600.00}. We placed a stop payment on the payment of {$1600.00}. On   XXXX   XXXX  , we made our scheduled payment  Ocwen in the  amount of {$1600.00}. On   XXXX   XXXX   we received notice that the payment was returned stop payment. However, after checking with our bank and receiving verification that the payment was not returned stop payment and we no longer had any stop payments on our account, we spoke with  Ocwen  and explained the situation. We were told that we would need to file a complaint to the  Research Departm ent. On   XXXX   XXXX  , we sent in our written complaint and our bank statements to show that no payments had been returned from our bank. On   XXXX   XXXX   we received another call from  Ocwen and s aid we needed to make the   XXXX   XXXX   payment. When I inquired about the complaint to the researc h Dept, they sai d they had not received anything even though I had fax confirmation that it had been sent. At that time I made a payment over the phone with my checking account for an ACH payment. That payment was successfully processed and not " returned ''. On   XXXX   XXXX  , my bank stop payment investigation department called and said they also completed a thorough investigation and still could not find any evidence of a payment being returned to  Ocwen in  late  XXXX  or early   XXXX   as  Ocwen had  stated. They said they would do a  3-w  ay  call with  Ocwen to ex plain the findings in hopes that our loan would not be considered late and we would not be charged any fees or reported to the credit bureau as late.  Ocwen wo uld not discuss anything with the bank  (   XXXX   XXXX  with  XXXX   ).  During that call, I again confirmed that they had received our complaint to the research department and they stated they had and were " investigating '' it. On   XXXX   XXXX   we received a letter that informed us that their investigation found that they have no control over the payments entered through their voice system or online system. In the meantime, we made our next scheduled payment on   XXXX     to  Ocwen thr ough their online payment system. We received notification that it was again sent back as stop payment ( which again there is no records of from our bank ). There obviously seems to be a problem with the online payment system as the payment I made over the phone on   XXXX   XXXX   was successfully processed but  the two most  recent payments through the online system were not processed. We have now been reported at late on our credit report and want this removed as this is a faulty system error on the part of  Ocwen and not us. Also, Ocwen will no longer accept our payments over the phone or online and can only be made via certified funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion, and Equifax have  re0inserted  an Item that was deleted almost a year ago. per FRCA, th e CB  's did not inform me within the 5 days of re-insertion.

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 2017-04-20 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On  X/XX/17   , I went to   XXXX   XXXX   to purchase a couch. I had been planning to purchase said couch with my tax refund, but it had not yet arrived and the couch was temporarily on sale for {$100.00} less. Signs in the  XXXX   XXXX  store were offering no interest credit for 6 months, so I applied for a   XXXX   XXXX   store credit card while physically in the store. Store associates provided me with a laptop to complete the application online. After completing the application online, I was shown a message that I would receive notice of whether or not I was approved in the mail in  5-7  days. I was under the impression that I would be approved immediately. This not being the case, I asked the store to call the company and cancel the application as I no longer had a use for the card. ( I ended up buying the couch with my  XXXX  card. ) The associate was told by the company that there was nothing they could do that evening and for me to call tomorrow. I pho ned Comenity ( the company that administers their card ) t he next da y (   XXXX   ),   and was told they could not cancel the application, to wait until the card was issued, then call and they could reverse everything, including the hard credit inquiry. Today,   XXXX    , I received a letter stating that they needed more information die to the  Patriot Act i n order to complete my application. After being passed from department to department, I was told that they can not cancel the application, but if I do not supply them the requested information in 14 days, the application would stop. However, whether I supply the information or not, they will still be making a hard inquiry into my  credit score. I  feel I was misled from the very beginning and that I should have been able to stop this process long before it reached this point. Furthermore, if they do not have all the information required by the  Patriot Act in   order to give consideration to my credit request, they should not be making inquiries into my  credit score.    XXXX   XXXX   is a great company and I will continue to shop there, but I have serious concerns about Comenity and the other store credit cards that I have under their administration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
My ex husband opened an account up in my name and charged it up prior to moving out when our divorce was finalized. I am not responsible for this debt at all. I have been fighting with this for years now, and I want it gone and off my credit report now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Got a letter on in   XXXX   XXXX   XXXX     from a bill collector by  Midland Credit Management stating that I owed  XXXX  back in1 XX/XX/XXXX  which they could not verify. When I asked to by whom they could  n't give me and exact person of who I owed the debt too or for what for. Also what was odd that if I did my husbands name was n't even included in this which is odd cause if for any huge amount  XXXX  as that they would have my husbands information also which they did n't they just stated it was just my  name.They the n asked me if I had been a victim of identy theft in the past which I was but do not know how they came about that information but they said that they would investigate which I did n't ask them to do. After getting off the phone with the customer reprensentative I looked into this company with the better business bureau and saw numerous complaints filed again this company about false claims and they also had a lawsuit that was filed against them.

Company response to consumer: Closed with explanation