vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen LN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Our client received a letter dated XX/XX/XXXX stating she had until XX/XX/XXXX to respond regarding a choice between a Loan Modification and other Pre-Approved Options. Our clients response, stating they wanted a short sale, was sent to the bank onXX/XX/XXXX via certified mail. Ocwen confirmed on XX/XX/XXXX that they received their response.

Our client was told that if they did not want a Loan Modification they would have 30 days to provide a short sale package, at which point Ocwen would review them for a short sale.

On XX/XX/XXXX and XX/XX/XXXX we submitted documents for a short sale, of which Ocwen has confirmed receipt. Even though Ocwen received a short sale package within the specified time frames, they are refusing to review for a short sale and instead will be taking the property back at auction on XX/XX/XXXX.

We have also been told by Ocwen that the short sale was declined onXX/XX/XXXX -- before the due date for the borrower 's response.

This goes against what Ocwen had previously told the homeowner. Ocwen has purposely deceived the homeowner multiple times. They told the homeowner multiple times that the auction date was on hold and that they would have time to do a short sale. However, when we call in and speak with Ocwen they state they will not postpone the auction date and have every intention of taking the property back at auction on XX/XX/XXXX, regardless of what other reps have told the homeowner.

In addition, Ocwen does not have any kind of appropriate valuation on the property. They are valuing this house, built in the XX/XX/XXXX, against homes that are maybe 5-6 years old. Ocwen has a value of $ XXXX in their system, yet they have never had anyone inside their home. Ocen takes their values from XXXX, who has publicly admitted to inflating their values by 20 % across the board. Is Ocwen refusing to review this offer because they dont want to admit their values are inflated and therefore unrealistic?

Or. Is Ocwen simply discriminating against a XXXX borrower? They have already like to the borrower multiple times. They have no realistic value in their system, and are stating they are simply going to take the property back on XX/XX/XXXX even though Ocwen stated the homeowner would have 30 days to pursue a short sale.

Ocwen has already been fined for this type of illegal behavior. Obviously they have not yet learned their lesson.

I want Ocwen to review the borrower for a short sale, like they told her they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Upon checking my XXXX credit report I noticed that Medical Data systems reinserted an account on my report that was removed in XX/XX/XXXX.  I never received any documentation about this debt. I have never done any business with this company.

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 2018-03-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was in need of a new AC unit and contacted XXXX XXXX XXXX of XXXX, NC in order to repair or replace my AC unit. When I filled out the form for financing, I was told the financing would be going through XXXX XXXX. I received an information packet and credit card via XXXX XXXX. However, I decided that the amounts XXXX XXXX XXXX provided were far too expensive. I called another company and had them come out to fix my unit for a fraction of the cost XXXX XXXX XXXX quoted. And, was I also informed that the information regarding both the outdoor and indoor units were very different from what XXXX XXXX XXXX told me. XXXX XXXX XXXX   claimed my outdoor unit was 11 years old and needed to be replaced along with my indoor unit. However, the company I went with said that the outdoor unit was only 7-8 years old and in perfect working order. Only the indoor unit needed to be replaced. So, that what I did as of last week with the other company and paid them the full amount of that up front.

Today I received a letter in the mail from XXXX XXXX saying they had a credit application from XXXX XXXX XXXX in my former name, XXXX XXXX, ( not my current name of, XXXX XXXX XXXX  of which I only gave them ). XXXX XXXX XXXX took out a credit application with another finance company without my knowledge or permission in a name I no longer have.

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 2018-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I just called the student loan provider because I noticed that I had forbearance on my account, he said oh that is just an administrative one because you are waiting to hear back about your IBR. I double checked to make sure that I was not being charged because I did not want to be in forbearance I just wanted to get into IBR.

He double checked with his supervisor and found out that I actually was being charged for one month of forbearance ( XXXX ) because I was behind on my payment before I applied for IBR. Which is a whole other story because they lost my application the first round inXX/XX/XXXX so when I reapplied in XX/XX/XXXX I hadnt paid the past month because on their website it said that my application was processing. When I talked to the servicer that time she just send oh just resend your paystub and I will get the application moving. Not saying a word to me about putting me into forbearance.

Now on XX/XX/XXXX I called to double check the progress of my IBR and when he cam back to the phone and let me know I was being charged I asked him if there was anything I could do because I had already had this conversation a month ago and thought it had been figured out and now I am being charge XXXX  to get to a IBR plan which was because I couldnt afford it in the first place.

He then let me know that while he definitely agrees what happened to be was wrong and how he believes me that my application was lost the first time that it was honestly an unwinnable case against the company because there is no documentation from the processing department saying they every received my first application so I would have nothing to show to say that I was wronged. He then added that it would only be XXXX  a payment in the future on my loans so is it really worth it? He also added that to continue moving my application along they were missing how often I get paid and the application would not have been able to move along had I not called. They also had never informed me of this or sent me any notification about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: UT

Complaint narrative:
Called in to speak to NMAC Nissan acceptance motor corporation after payment submitted didnt go thru. They stated they could not take payment over the phone so I paid on their app. I fixed the billing information and submitted a payment. Now it is showing past due over 30 days and reporting on my credit and my husbands. We revieved no email or notification the payment did not go thru the second time after correcting the billing info. Made a payment XX/XX/XXXX as soon as I found out this didnt go thru. No it is pending and when I called in they were very rude and even hung up on my husband. Im trying to get this resolved as I have had the money in the account and paid it. I do not feel this is fair to have a late charge and this hurt our credit when they did nothing on their end after our payments were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TCF NATIONAL BANK
State: AZ

Complaint narrative:
I paid off my TCF Bank mortgage in XX/XX/XXXXand obtained a home equity line of credit from XXXX XXXX in XX/XX/XXXX. I am currently in the process of asking for an increase in my HELOC with XXXX XXXX   During the application process we had found that TCF Bank had placed a second lien on my property without my consent and I need to show my home as free and clear. Please provide me with a direction of how I can get this accomplished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED GUARANTY CORPORATION
State: WA

Complaint narrative:
I was hired to list and sell my clients house as a short sale. After obtaining all of the documentation to submit a short sale package to both lien holders the 2nd lien holder United Guarantee ( AKA- XXXX MI ) asked for my letter of authorization in order to discuss a short sale review. After submitting the offer, letter of authorization and closing disclosure i received an email from a XXXX XXXX who simply stated he declined in participating in a short sale for the client. 
The first lien holder has accepted their package for review, and the 2nd would not even look at the request for modification of the original loan to do a short sale.. They would not look at any of the seller financials or requests made for a review. XXXX XXXX just sent me an email declining participation with no review.

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 2018-03-07 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: CA

Complaint narrative:
EQUIFAX & XXXX IS REPORTING LATE PAYMENTS FOR AN ACCOUNT WITH XXXX XXXX XXXX FOR XXXX & XX/XX/2017. I HAVE NOT ONLY ATTACHED A STATEMENT FROM THE CREDITOR SHOWING THAT PAYMENTS WERE MADE. EQUIFAX & XXXX HAVE YET TO UPDATE MY CREDIT REPORT TO RETRACT THE LATE PAYMENTS. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I applied for home retention assistance on XX/XX/XXXX. I thought things were going fairly well. They asked my for a divorce decree on XX/XX/XXXX even though I've never been divorced which was bizarre but after talking to them I understood their confusion and that was the only snag, or so I thought. 

On XX/XX/XXXX I was told that my file was denied because my income is only {$2900.00}. This is not an accurate portrait of my financial situation. My wife, who is not yet on the loan until this modification goes through, is also contributing. We listed her as a contributor on the application but Wells Fargo is stating they do not allow the use of contributors. 

According to Wells Fargo, my own wife, to whom I have bound my soul to for all eternity, is not able to claim that she is using her income to help maintain our household and keep our home for ourselves and our posterity. Having read XXXX XXXX 's guidelines, I see nothing that specifically excludes using my wife as a contributor. Her income does not simply vanish into thin air, it goes toward maintain our livelihood as a family and should of course be considered when evaluating us for a modification review.

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 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
I was contacted by " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX, WA XXXX I was told the had a debit for a previous account I had, they asked me if I wanted a settlement. I paid from my debit card on XX/XX/2016 and the funds were taken from my account. It was removed from my credit report. More then a year later I received a piece of mail from Contract Callers try to collect on the same account. I immediately called them and told them about XXXX and the settlement. They told me they would look into it in contact me. I got on the phone and contacted XXXX  and I was told they were going to have to pull the voice recordings from 2016. I was to be contacted, I did not hear back I called back 25 times! Manager to manager excuse after excuse the files were stored in a separate location they had to submit to get the audio file. I ask my bank to revoke the transaction of settlement from them because it was obvious they had taken by money and they weren't consered with helping. Unfortunately it had been over 6 months, and the funds couldn't be pulled back. 

There was previously a reslease and XXXX  and XXXX amount on the closed account on my credit report. Today after I have spent a lot of time energy a money to XXXX out everything on my credit report Contact Callers is still Harassing me and trying to collect on something that's been paid for over 2 years! Now it's on my credit report and I'm freaking out. Despretly need addvise, please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: CCB Credit Serivces, Inc
State: CA

Complaint narrative:
I have hard inquiries that I never had authorized..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
Speedy Cash XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX Pay Day Loan Company ( Cheating the Poor out of their money ) I took out an loan, and was unable to pay. The company refused to take payment. 
Transferred the Pay Day Loan to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS. XXXX ( XXXX ) XXXX I was told to make payment arrangements, However when I call XXXX XXXX XXXX XXXX, they refuse to set up for me to pay at the Speedy Cash Location in XXXX, Tennessee. 

I have been trying to make payments since XX/XX/2017, to make payment at the Speedy Cash in  person, this company refuses to set up payment arrangements. 

I request that these type of companies hurt the community, and poor peoples credit scores! They over charge all minorities, and the white people get charged less rates on an dollar. This business should be closed, and ran out of town!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I submitted a compliant through the CFPB to Navy Federal credit union back in XX/XX/XXXX.Navy Federal credit union indicated that they are still working on my case. I was a victim of Forgery of 2nd degree violation title 11 section 861 of Delaware code of XXXX and theft of more than 50,000 in violations of title 11 section 841 of the Delaware code of XXXX. The Delaware State Attorney General office convicted XXXX XXXX XXXX defendent of the charges listed above in XX/XX/XXXX. And I am still being held liable for a loan that I never authorized to be established in my name. Case name and number for your references are as follows : State of Delaware Vs XXXX XXXX Id. XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have been contacting XXXX XXXX XXXX XXXX Credit Card since XXXX. 
They havew given me the run around and have refused to work with me on a solution. I have EXCELLENT credit and paid every month more than was due on my account. I had an emergency and tried to defer my interest and was hit with a XXXX penalty. I have called, emailed, and written numerous letters and the Company will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX recently reported 9 medical bills on my credit report. Prior to their appearance on my credit report, I did not receive a notice of right to dispute for any of the 9 bills.

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 2018-03-07 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: CA

Complaint narrative:
XXXX & TRANSUNION IS REPORTING LATE PAYMENTS FOR AN ACCOUNT WITH XXXX XXXX XXXX FOR XX/XX/XXXX & XX/XX/XXXX. I HAVE NOT ONLY ATTACHED A STATEMENT FROM THE CREDITOR SHOWING THAT PAYMENTS WERE MADE. XXXX & TRANSUNION HAVE YET TO UPDATE MY CREDIT REPORT TO RETRACT THE LATE PAYMENTS. SEE 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 2018-03-07 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Misleading, BAIT AND SWITCH campaign used by Chase Bank on behalf of XXXX XXXX mileage program. Advertisement promises XXXX bonus point if an individual signs up and charges {$2000.00} in 90 days. In XX/XX/2017 I clicked on this ( attached ) advertisement. I was issued a credit card from Chase bank, and as required, charged {$2000.00} in the first 60 days. The amount was paid off within the terms of the credit card. Within 60 days I was only " awarded '' XXXX bonus points and a {$200.00} statement credit. I'm sure Chase decided that this was a cheaper alternative than the the promised XXXX bonus points. When I signed up I downloaded and printed the original offer directly from the offer page of the internet. It is a clear case of BAIT AND SWITCH and deceptive business practice by Chase Bank. I clearly expected there might be a possibility that the credit card company might attempt such a scam which is why I copied the exact pages of the offer in advance. I have lodged a complaint with Chase only to be met with " you clicked on a different offer ''. I also lodged a complaint with XXXX XXXX. They indicated they would look into it. Consumers need to be aware of these poor business practices by Chase Bank and should do their homework before clicking on credit card offers. Documentation is key I believe in making Chase Bank/J.P. Morgan accountable for their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc.
State: IL

Complaint narrative:
I recently checked my credit report and seen that I have a collection claim on my account from M & M Credit for {$680.00} however, I have never done any business with this company and dont know why or how this is popping up on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 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: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
I have hard inquiries that I never had authorized..

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 2018-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX Fraudulently placed a collection on my credit reports from XXXX for {$98.00} that does not belong to me and XXXX Fraudulently billed for Medical service never Authorized ref file number XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: FL

Complaint narrative:
In 2012 i had full Medicaid due to XXXX. The hospital apparently did not provide their XXXX   dept this information. These bills were sold to XXXX XXXX XXXX. I have disputed with them. Equifax has continued to allow these bills to remain on my report even though i have disputed with Equifax as well as the company. Equifax allows companies to put whatever information they want on credit report but refuses to remove or correct when there is an error.

Company response to consumer: Closed with non-monetary relief