vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-10 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen recently started reporting Re-Aged Disputed Mortgages that had already been removed over a year ago due to the 7 year Limitation. The Accounts last reported delinquent payment was in 2009. It appears they simply removed the old Info and started re-reporting even with False information of a payment even though one was never sent and the Historical Information they provide clearly shows no payment has been received. The issue is compounded with trying to deal with XXXX. Even though XXXX has and was provided documents from themselves in the past they simply send back a letter saying Ocwen states they reported correctly ( Information is blank or conflicting ). The agents in the call centers have no ability to do anything but re-dispute. When I have been able to actually speak to a empowered person like a supervisor at XXXX XXXX for example they actually review the documents with me and clearly see the issue with a resolution. The XXXX agents appear to be not USA based and never allow you to even get to the Survey to complain. I have actually let my phone sit on mute for almost a half hour to be hung up on. This same issue has happened to my husband 2 times in the last few months again with OCWEN and XXXX. XXXX needs to fix its dispute system and OCWEN needs to be held liable for the abuse of its reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: BANCO POPULAR DE PUERTO RICO
State: PA

Complaint narrative:
During the Month of XX/XX/XXXX I sent my card payment ON TIME to Banco Popular to Apply to my credit card balance ending XXXX and since IRMA and MARIA HURRICANE affected all power and business in Pto. Rico They did not processed on time the payment affecting my CREDIT SCORE. 

Now since I 'm applying to a LOAN MORTGAGE TO BUY A HOUSE they are DENIED any letter to fix my CREDIT REPORT I has been deal with the Bank in the last two month and only obtaining a NEGATIVE LETTER and a Final Phone Call confirming They ARE NOT ABLE TO HEL ME TO REPAIR THIS SITUATION. 

Credit Card ending. XXXX Banco Popular Credit Card PRODUCT : XXXX XXXX XXXX XXXX XXXX : XXXX-XXXX2017 XXXX : {$38.00} Customer name : 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 2018-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc.
State: NC

Complaint narrative:
Been replying to these companies for quite some time. I 've sent in my credit report have n't receive anything or heard from them. They are still on my XXXX credit report. No i did not apply for car ( i do not own any drivers license ) nor did i co sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Been replying to these companies for quite some time. I 've sent in my credit report have n't receive anything or heard from them. They are still on my XXXX credit report. No i did not apply for car ( i do not own any drivers license ) nor did i co sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After 14 years of perfect payments, I missed my XX/XX/XXXX {$480.00} mortgage payment ( Taxes and Ins escrowed ) during Hurricane Irma. My city  XXXX, FL in county XXXX county was declared a federal disaster area during which I went 7 days without electric and water. I spent {$200.00} on fuel to run my generator to survive. I have been able to make all future payments. Wells Fargo home Mortgage gave me 3 months to catch up which I could n't. The now will not accept payments from me and are saying I 'm two months behind plus late fees. They have offered me short term mortgage assistance with three payments of {$60.00} starting XX/XX/XXXX. I 'm not sure how making a lesser payment will allow me to catch up. They also informed me that accepting this offer may adversely impact my credit score. I am greatly concerned I am being set up to fail so they can collect the mortgage insurance and I will loose my home of 14 years.

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 2018-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am cosigner for a checking account for my nephew who is a college student. 
His account went into negative on XX/XX/XXXX. 
From then until XX/XX/XXXX, PNC has charged the account 25 times with {$36.00} penalties, plus several overdraft fees of {$7.00} each. 
There are several ACH XXXX XXXX Payments & reversal in between. All the penalties are associated with these XXXX payments/reversals. Throughout this period the account is negative as there are no deposits until they withdrew money from my personal checking account for {$1200.00} which is linked I believe to my nephew/my cosign account. 

What concerned me PNC is involved in fradulent activity in dealing with my nephew ( college student ) account. Why it waited 3 weeks before with drawing money from my account, when they could do it 3 weeks earlier. In the mean time they applied penalties of {$950.00} to this college student account. I am concerned that if I had higher balance in my personal account, PNC would have continued their fradulent penalty activity several more days/weeks. Fortunately my balance in my personal account at that debit time was {$1200.00}. 

I have brought this to PNC 's attention overphone and inperson, as well as speaking with their consumer complaints department. All their answers are basically putting the blame on the customer. I understand the customer is responsible, but PNC used it as an excuse to continue charging the college student many continuous penalties ( 25 times in two weeks! ). Also concerned is the other party XXXX business practice in this case. All the transaction involve in this case XXXX payments. If there are rejection of payments on a regular basis, how XXXX is able to submit many of these transactions for several more weeks daily. 

Looks like PNC is trying to make money on innocent, vulnerable college kids through fradulent business practices. Looks like they have started this practice in XX/XX/XXXX. Earlier, I did n't see this activity. Something changed at PNC. 

Hope some one at federal government addresses this fradulent activity from PNC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
I have contacted this company and disputed these charges prior to doing this. I have set up a payment plan wit the Original Debtor XXXX XXXX to pay payments on all debts in their system in exchange for these being taken off of my credit, its close to {$5000.00} plus dollars. I have been making complete payments and also on time. And there were three debt collectors, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. The other two besides XXXX XXXX XXXX have removed their 's but this company refused to. I have no contract with them as well as no debt with them, and furthermore .... before I disputed the charges on my report I NEVER RECIEVED ANY SORT OF NOTIFICATION on this debt, which I received on X/X/18. So not having my information is no excuse to not follow guidelines here. I had no clue my insurance did n't pay these items UNTIL IT HIT MY CREDIT!!!!!!!!! This is a shady tactic used because I applied for a loan. Im very disappointed because all I had to do was make a phone call to them and my insurance to handle it. Please remove this as the client and the consumer requests before any further monetary damage is made to my credit. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
is Company is not who I applied for the loan through. Not only that I had over XXXX calls once I applied. Each one representing that I had applied with their Company. I have never heard of the supposed original Company. I have never received anything in writing pertaining to this debt. I had phone calls from numerous Companies trying to collect on this same debt. It is financial XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: CA

Complaint narrative:
Under the FCRA, my credit report is supposed to reflect information that is 100 % accurate. As it stands, my credit report is reflecting inaccurate addresses, names, accounts, etc. The accounts in question are tied to addresses that are not mine. I have sent numerous disputes and will move to file a lawsuit for the damage the inaccurate reporting is causing if it is not rectified immediately. I have sent countless letters, disputes, uploaded my ID to each Bureaus Corresponding website, mailed proof and still inaccurate reporting of my name, address, and accounts are reporting on each of the reports. None of the reflected, " defaulted '' accounts showing balances could personally locate any files with my namesake and information, so how are each of the bureaus reporting? What is the method of verification? If this can not be furnished accordingly via signed contract bearing my signature, they must be deleted immediately. XXXX is not a reliant source for updating credit reports with unverifiable 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 2018-01-10 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: TX

Complaint narrative:
I worked hard to get my credit score in the Excellent range in the low XXXX 's. Within weeks my score dropped from 89 to 175 points XXXX : XXXX in XX/XX/XXXX to XXXX XX/XX/XXXX ( 89 pt drop ) Transunion : XXXX XX/XX/XXXX to XXXX XX/XX/XXXX ( 175 pt drop ) I contacted XXXX and Transunion to understand why my credit score was decreased so much so quickly since there has been no major problems or changes to the account except for paying off a car loan ( with NO late or missed payments over a 5 year period ) and opening a new account for another car purchase. 

I have tried to obtain information from XXXX and Transunion yet they can not find anything that has changed and refuse to correct the score. They have refused to help or even tell me how to fix the problem. XXXX also has claimed I have put a freeze on my account in XX/XX/XXXX with a special " code ''. I do not remember doing this. 

I need my credit score corrected.

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 2018-01-10 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: MA

Complaint narrative:
My credit card company has tried to fight on my behalf to the extent they could, but it appears that XXXX is taking the side of the merchant 's without actually paying attention to the details of the Merchants nonsensical claims or any facts in supported documentation. On XX/XX/XXXX I purchased 2 tickets with Capital One Credit card from XXXX  XXXX to fly from XXXX to XXXX. On XX/XX/XXXX ( the date of flight ) I arrived to the airport at XXXX for the flight that was leaving at XXXX. On the way there, exactly 10 minutes before I arrived to the airport XXXX notified me that the check-in counters are closing, while according to their own policy they were supposed to close " 45 minute '' before the flight ( at XXXX ). They notified me by email on the way to the airport of changing time when it is not possible to change anything. I followed their own policy which they changed 10 minutes before I arrived, making me " late '' .They refused to refund me the money and offered me to pay for new tickets for next day flight. All of that when I came 1hr15min before the flight for which they themselves required me to be no later than 45 minutes before the flight. 
I disputed the charge with CapitalOne but after months of investigation and back and forth with XXXX. Merchant, and CapitalOne they cancelled my dispute because even though XXXX XXXX policy says that check-in closes 45 minutes before departure, the company has a 1 ) no refund policy and, 2 ) there is a note in the policy that the policy can change at anytime for any reason " unless stated otherwise by XXXX XXXX ''. All of this means that company policy is there but it might as well not be. 
In my opinion, no reasonable investigation was done by EITHER XXXX or XXXX and my rights as a consumer were not protected, because I paid for a service which I did not receive ( being impossible to satisfy a whimsically changing policy of a merchant ) and Capital one, based on XXXX XXXX unfounded conclusions is demanding payment for the services I did not receive and even their customer service representatives agree with me, but can do nothing for me due to their company 's unfair process of investigating the dispute, which is heavily influenced by XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
Is account was for my spouse and we are now divorced. I already has XXXX, look into the account and removed it from my name. I do not have possesion of this vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Netspend Corporation
State: IL

Complaint narrative:
On XX/XX/2018 I received in the mail, a XXXX prepaid XXXX in my name that I didn't order or apply for. When I tried calling to speak to a person I was unable to do so without entering my social security number and I wasn't going to do that because I didn't order the card. I just want to make sure there's no fraudulent activity going on in my name

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 2018-01-10 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: CA

Complaint narrative:
Under the FCRA, my credit report is supposed to reflect information that is 100 % accurate. As it stands, my credit report is reflecting inaccurate addresses, names, accounts, etc. The accounts in question are tied to addresses that are not mine. I have sent numerous disputes and will move to file a lawsuit for the damage the inaccurate reporting is causing if it is not rectified immediately. I have sent countless letters, disputes, uploaded my ID to each Bureaus Corresponding website, mailed proof and still inaccurate reporting of my name, address, and accounts are reporting on each of the reports. None of the reflected, " defaulted '' accounts showing balances could personally locate any files with my namesake and information, so how are each of the bureaus reporting? What is the method of verification? If this can not be furnished accordingly via signed contract bearing my signature, they must be deleted immediately. XXXX is not a reliant source for updating credit reports with unverifiable 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 2018-01-10 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: CA

Complaint narrative:
Under the FCRA, my credit report is supposed to reflect information that is 100 % accurate. As it stands, my credit report is reflecting inaccurate addresses, names, accounts, etc. The accounts in question are tied to addresses that are not mine. I have sent numerous disputes and will move to file a lawsuit for the damage the inaccurate reporting is causing if it is not rectified immediately. I have sent countless letters, disputes, uploaded my ID to each Bureaus Corresponding website, mailed proof and still inaccurate reporting of my name, address, and accounts are reporting on each of the reports. None of the reflected, " defaulted '' accounts showing balances could personally locate any files with my namesake and information, so how are each of the bureaus reporting? What is the method of verification? If this can not be furnished accordingly via signed contract bearing my signature, they must be deleted immediately. XXXX is not a reliant source for updating credit reports with unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Loan not in my name, grand deed done XX/XX/XXXX and have power of attorney dated XX/XX/XXXX, know loan not in my name but power of attorney is exclusive for the loan, modification etc. faxed paperwork XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX was all complete, have a rep but rarely calls back, always loosing paperwork etc. Called XX/XX/XXXX was on hold for over an hour, per california law loan was never reviewed for modification, rep was on vacation, transferred to 6 different departments, finally loss mitigation rep said would have a manager call me back the XX/XX/XXXX or XX/XX/XXXX, NO CALL! Paperwork was in before sale date, have proof of everything and yet to have a return call WITH MESSAGE LEFT! My cousin has been faxing, calling, faxing, yet no one responds back!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
on XX/XX/XXXX 2016 I when the XXXX in XXXX XXXX texas XXXX XXXX and they charged me too ( XXXX ) much for basically no treatment just paper work on how I should treat for what I went for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have spoken with a representative in the Secure Credit Card department regarding my security deposit {$300.00} that I suppose to receive, the representative was extremely rude and when I went over the transaction with her I confirmed with her that my account was not over draft by {$300.00} but only over the credit limit in the amount of {$25.00}. I also advise her the balance of {$25.00} was paid. 

I then call again today XXXX/XXXX/XXXX spoken with another rude representative XXXX ID # : XXXX, she began to talk with me like I was XXXX, when I asked to speak with the legal department she left me on hold and did n't come back to the phone. I also asked her whom can I contact to file a complaint against she then replied who do n't have a legal department, I then ask to speak with her supervisor she turned around and lied to me on the phone and stated she do n't have a supervisor, I requested to speak with her Operations Manager she said she do n't have none of them either. I begin to getting very irate, she act like she didnt want to help anyone by phone. I just want someone from another department that close to the Office of The CEO to handle this matter.

Company response to consumer: Closed with explanation