vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
my mortgage was taken over by phh mortgage from ocwen. i had gotten behind on my mortgage payments. i was sent a modification in XXXX of XXXX since XXXX i have not been able to speak to anyone concerning the modification. i was only told by one representative that i needed to reapply but i can not get into my account to apply because my account is locked. my case manager has not answered calls and her mailbox is now full. when i call and enter my ss # or loan # my called is sent to the relationship manager phone automatically. if i dont put in my information and get customer service, they can not help me and sends my call back to the same person. so for approx 3 months i have not been able to get any assistance. i have been calling every week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Application to open A 1 year Cd account at BMO Harris Bank online at ad interest rate of 1.65.. Bank ' processing dalay in funding the account from my XXXX XXXX  , to my surprise I received email from BMO Harris Bank stating that initial deposit in my CD account {$100000.00} is complete funding from My XXXX XXXX. Having No further details of the account, I tried unsuccessfuly calling Bank multiple time requesting status of my CD account about rate of interest, maturity date, account number etc. Finally after few days, I got access to my CD account online when I found out the interest rate is so much low is assigned to the account. It is way lower than my XXXX XXXX  rate 1.30 It is unreal for me to move money from Bank patying 1.30 to BMO bank f paying 1,14. I tried to request to reverse money back to where it came from. or adjust rate up. No response.

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 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I submitted a complaint on XX/XX/2020. COMPLAINT ID XXXX. 
This is an update comaint to provide more important information on documented proof that Capital One acct ending in XXXX purposely is stalling the posting of electronic ACH BILLPAY payment in order to generate late fees I didn't deserve. Regarding they took 8 days to post the last one, charged me {$25.00} late fee when i was within all requirement. See other complaint for info. I made another payment on XX/XX/XXXX. This time it took only 2 days to post. The reason this is important is that my due date is not for 15 days from now so they couldn't stall intentionally to force me another unjustified late payment fee. See attached documents for verification. 
PREVIOUS COMPLAINT INFO : My CAPITAL ONE ACCOUNT LAST 4 ARE XXXX and payment was due on XXXX XXXX. I made an electric payment thru BILLPAY on XX/XX/XXXX. I have used BILLPAY for over 15 months on this account. They ask to allow 4-5 days for credit to post. It took CAPITAL ONE 8 days to post the " ELECTRIC ACH '' credit. They charged me {$25.00} late fee. I have months upon months of payments with them and NONE OF THEM took 8 days to post. It is obvious they are stalling crediting to increase their profits lost by covid purchases. I called capital one and billpay and neither will accept the fault when I did my part as a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NE

Complaint narrative:
PNC was contacted on XXXX for a request of 12 month mortgage forbearance and re-amortization. I was told that they only off 3 month payment deferral and then the three payments are due. 

I have been told that mortgage loans need to offer 12 month forbearance with modification agreement and no impact to credit rating. 

I need to learn from CFPB what is required and if PNC needs to offer the 12 month forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted Equifax credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown small businesses. Equifax alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Equifax including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Equifax to advise them of the results of my debt validation request. 

I believe that Equifax has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX Woman Owned XXXX XXXX  and your urgent assistance to survive. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: PA

Complaint narrative:
The accounts I listed are fraud I don't have any relation with those fraudulent accounts.

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 2020-05-20 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: PA

Complaint narrative:
The accounts I listed are fraud I don't have any relation with those fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: ONEMAIN FINANCE CORPORATION
State: TN

Complaint narrative:
I'm a victim of identity theft so i watch my credit report a lot. I notice an account on there from a company name ( OneMain # XXXX ) on my XXXX  credit report. I contacted XXXX  in XXXX and they told me to contact Onemain because they are saying the account is mine. I wrote OneMain on XXXX XXXX, 2020 asking for a copy of the contract with my signature on the contract. I'm knowing they wouldn't have it because its not mine i just wanted a paper trail. XXXX Onemain respond with a copy contract with another company letter head also without my signature. I wrote them again on XX/XX/2020 asking again for a copy of the contract with my signature this time on XXXX XXXX Onemain just sent me a letter without a copy of the contract. On, XXXX XXXX I went to the police station and updated my identity theft police report by adding the company OneMain to it because this is a Fraud account that someone put in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed multiple times with Equifax of 2 inquires that I did not initiate and or not mine. I have requested the verification and removal of these inaccurate, fraudulent inquires on my report. The inquires are from XXXX XXXX XXXX  on XX/XX/XXXX & XXXX XXXX on XX/XX/XXXX. I have reached out to both companies multiple times to remove these inquiries that were not made by me and are incorrectly reporting on my report. All of this I sent to Equifax as proof and to no avail, these inquires remain on my report. I have not signed any documents authorizing either organization to view my credit history therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. XXXX XXXX responded, dated ; XX/XX/XXXX. Stated that this was the result of PRESCREENED INQUIRIES. NO, these inquiries are NOT the result of any prescreened offer. These inquiries are standard inquires, which I did not authorize. They are fraudulent. I also called XXXX XXXX about this issue in XXXX of XXXX and was told it will be removed. IT HAS NOT! XXXX has not responded and letter was returned, so I sent another ... .Nothing ... 
If XXXX XXXX and/or XXXX XXXX are in possession of any document that they believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed, so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Also, I have been trying to remove old addresses since XX/XX/XXXX. I have sent 5 or 6 request to Equifax to delete the old addresses on my report. On XX/XX/XXXX I received my Equifax report # XXXX showing the old information was DELETED! I received another report # XXXX on XX/XX/XXXX showing these same items once again reporting on my report! This has been going on now for the past 6 months!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.EQUIFAX XXXX {$4000.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$6500.00} XXXX XXXX {$500.00} XXXX   XXXX {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
SUMMARY : DELAYS IN PROCESSING MORTGAGE LOAN TO OBTAIN SAFE HOUSING FOR MEDICAL REASONS PURCHASE AGREEMENT MADE ON XX/XX/XXXX CLOSING DATE SET XX/XX/XXXX XX/XX/XXXX US BANK NATIONAL RECOMMENDED TRANSFERRING TO A LOCAL LENDER BECAUSE OF DELAYS IN THEIR PROCESSING RELATED TO COVID 19 AND  STATED THAT THE APPRAISAL HAD YET TO BE ORDERED AFTER GETTING A LOAN ESTIMATE FROM A LOCAL LENDER US BANK CHARGED AN APPLICATION FEE ON XX/XX/XXXX XX/XX/XXXX TALKED WITH A LOCAL US BANK REPRESENTATIVE WHOM SAID THEY CAN TRANSFER THE LOAN LOCALLY SINCE I HAVE BEEN CHARGED ALREADY BY US BANK NATIONAL AND THAT THERE SHOULD BE NO PROBLEM WITH CLOSING BY XX/XX/XXXX EXTENDED THE CLOSING DATE TO XX/XX/XXXX CONTACTED THE LOCAL US BANK REP ON XX/XX/XXXX TO CHECK ON THE STATUS-TOLD THAT THE OWNERS AGENT HAS DROPPED THE BALL ON GETTING THE APPRAISAL OWNERS AGENT INFORMED ME THAT THERE IS CURRENTLY NO APPRAISAL ORDERED AND THAT IT HAS BEEN CANCELLED TWICE TO DATE BY US BANK APPRAISAL ORDERED LATER THAT DAY XXXX-APPRAISAL DATE SET FOR XX/XX/XXXX DUE TO THE HIGH DEMAND AND LIMITED APPRAISER POOL THAT US BANKS APPRAISAL MANAGEMENT COMPANY HAS IN THE AREA ( 1 APPRAISER )  EXTENDED THE CLOSING DATE TO XX/XX/XXXX XX/XX/XXXX I EMAILED THE LOAN TEAM TO CHECK ON THE STATUS OF MY LOAN ( STILL YET TO SEE ), RATE LOCK AND APPRAISAL CONFIRMATION. 
INFORMED THAT THE LOAN DOCS ARE IN THE PORTAL ( STILL NO LINK SENT TO ME ) RATE LOCKED ON XX/XX/XXXX AND APPRAISAL CONFIRMED FOR XX/XX/XXXX ON XX/XX/XXXX I REQUESTED THAT ANY LAWS BE UTILIZED TO TIMELY PROCESS MY LOAN AND ALSO ASKED FOR THE OPTION OF A DESKTOP APPRAISAL PURSUANT TO CURRENT LAWS XX/XX/XXXX I REQUESTED THAT THE APPRAISAL BE DEFERRED USING CURRENT LAW ON XX/XX/XXXX THE REGIONAL MANAGER SET CLEAR EXPECTATIONS OF THE LOAN NOW CLOSING ON XX/XX/XXXX WITH NO REGARD FOR THE APPRAISAL MODIFICATION RULES ENACTED DUE TO COVID 19 XX/XX/XXXX VARIOUS COVID 19 SYMPTOMS OVER THE PAST WEEK WITH SERIOUS SHORTNESS OF BREATH-WENT TO THE XXXX XXXX AND TESTED WITH RESULTS PENDING BUT A HIGH LIKELIHOOD DUE TO MY MEDICAL HISTORY AND LIVING CONDITIONS-CURRENTLY XXXX, UNABLE TO WORK AND QUARANTINED XX/XX/XXXX NO LOAN ESTIMATE PROVIDED TO DATE-NO CONFIRMATION OF THE APPLICABILITY OF THE CURRENT COVID 19 APPRAISAL INTERIM FINAL RULES

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 2020-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
In XXXX of XXXX, I decided to refinance my 30 year loan to a 15 year loan at an APR of 4.375 % using XXXX XXXX. In XXXX of XXXX the loan was sold to Mr Cooper. 

In XXXX of XXXX, I decided to refinance my loan with XXXX XXXX lowering my rate to 3.125 %. XXXX XXXX was used to handle the escrow and title components. According to representatives from XXXX XXXX, a loan payoff amount of {$99.00}, XXXX was given to them by Mr Cooper which was valid until XX/XX/XXXX. 

The loan was a Heloc type, so all the documents were signed on XX/XX/XXXX then after the full 3 day wait period the remainder of the documents were submitted on XX/XX/XXXX and the loan was funded on XX/XX/XXXX at around XXXX XXXX. 

Mr Cooper acknowledged receipt of the {$99.00}, XXXX amount on Friday XX/XX/XXXX ; however, they moved the money into an unapplied funds category and refused to payoff the loan claiming there was a deficiency of {$210.00} in the escrow account. As it turns out, Mr Cooper disbursed the homeowners insurance on XX/XX/XXXX but did not contact the homeowner nor the title company about a deficiency created by this action. 

Also, by not applying the {$99.00}, XXXX on XX/XX/XXXX, Mr Cooper then claimed I didn't make a monthly house payment so they charged an extra {$41.00} late penalty along with extra interest accrued although the payoff amount was good until XX/XX/XXXX. On top of that, Mr Cooper also paid out {$83.00} to XXXX XXXX XXXX on XX/XX/XXXX as part of the mortgage insurance when the loan should have been paid off. 

I contacted Mr Cooper on XX/XX/XXXX after I noticed that the loan had not been payed off. Per their website, they were indicating they would return the {$99000.00} back to XXXX XXXX by XX/XX/XXXX. The representative from Mr Cooper claimed they tried to contact the title company XXXX on Friday without any success. Another Mr Cooper agent on XX/XX/XXXX claimed they didn't try to contact XXXX   until XX/XX/XXXX which happened to be when I contacted Mr Cooper. 

I personally paid the amount of {$220.00} claimed by Mr Cooper that was needed to close the loan on XX/XX/XXXX via an electronic transfer ; however, when speaking to a Mr Cooper representative on XX/XX/XXXX, they said they would not close the loan until the transfer posts from my bank even though Mr Cooper submitted a receipt of payment to me on XX/XX/XXXX. 

I know this can be handled differently. I have a friend that just refinanced under the same situation where there was a deficiency in the payoff ; however, the bank that held the loan closed it then sent a bill for the remaining difference. 

Based on Mr Coopers poor reputation ( just check the CFPB database ) and after speaking to 4 different Mr Cooper representatives, I have very little confidence in this issue being settled appropriately and timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
EOS CCA is aggressively attempting to collect debt for XXXX XXXX for the collection balance that was resolved and paid to XXXX back in 2015. This account is not valid, null, and is in violation of FCRA and violation of statutes of limitations allowing collectors to report to CRAs. I contacted EOS CCA to inform that XXXX stated in wring this account was satisfied in full and they DON'T contract EOS as a collector for their company .... EOS CCA collected all my personal information and now aggressively attempting to collect on the debt NOT owed and on the debt they have NO LEGAL right to ... They changed open date on credit reports 3 times now this should also be violation of FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I INITIATED A DISPUTED WITH EQUIFAX CREDIT REPORTING AGENCY ON OR ABOUT XX/XX/2020 AND THE FAILED TO INVESTIGATE THE DISPUTED ITEM WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE ME THE METHOD VERIFICATION FOR FROM PRIOR DISPUTED OR PROVIDE THE INFORMATION ON FILE PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
On XX/XX/XXXX I purchased two televisions from someone on XXXX! I did not know the person so I used XXXX XXXX  to protect myself! I met with the man at a public place, I paid him {$390.00} for two televisions and when I returned home neither of them worked. I immediately contacted Navy Federal to file a dispute. Two days ago I was sent an e-mail saying the amount never posted so there was nothing they could do, which was not true because you can clearly see the charge on my account! Today I get an e-mail stating they can can not comple the dispute, I must contact the person for a refund!! If I was able to contact the person for a refund I would not have had to file a dispute!! I am not going to sit back in a PANDEMIC and let you all steal money from me!!! Where is the consumer protection???? What is the point of you having a dispute department if you can not give people UNAUTHORIZED funds back!!! GIVE ME MY MONEY BACK!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
Multiple instances over the years of being provided inaccurate and/or conflicting information which has been detrimental to my ability to pay off the student loan I have. I believe this company has purposely misled me with information to keep me paying at a rate that is unbearable and should be illegal. 
Most recently I was provided inaccurate information concerning relief due to COVID-19. I was led to believe that a move into " Forbearance '' would provide relief from the interest until XXXX. This happened in a recorded phone call in late XXXX, early XXXX. I can provide dates and details of conversations. 
On XX/XX/20, I was told the information that was provided to me concerning my loan was not as represented. 
These instances have happened for many years and now I am in need of assistance with a complaint as it appears this will not stop and I can't take it any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$260.00} XXXX XXXX  XXXX {$6500.00} XXXX XXXX {$500.00} XXXX   XXXX {$13000.00}

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 2020-05-20 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$6500.00} XXXX XXXX {$500.00} XXXX  XXXX {$13000.00}

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