vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Fraudulent Foreclosure eviction of XXXX, by OCWEN, being the Servicer to the Original Issued United States Note Application, which ought to have been settled at closing table, from the delivered Credit Check equivalent to the United States Note Application applied. 

Upon the acceptance to fill out a Application for Qualification, to act as Indenture Trustee under the dead-pledged mortgage or deed from trust indenture, under which the Social Security has been issued to be eligible to secure act, which is the case from any Social Indenture Security, that is not required to be registered under the Security ACT of 1933, and includes to confine an allonge to the application for qualification, which creates an automatic set-off compensation, U.S. Note Application, for Federal Reserve Note.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I applied for XXXX request for mortgage assistance since XX/XX/XXXX. Ive call weekly asking for updates documents stating The Underwriters requesting this. I send the documents. XXXX submitted XX/XX/XXXX XX/XX/XXXX and current XX/XX/XXXX. 

The current XXXX XX/XX/XXXX. 

SPS asked me to submit a new application in XXXX because it was cut off. I am not sure how the application is not legible when it is uploaded in their secure system to submit documents. As I continued to submit document during the XXXX the have been moving ahead with a FORECLOSURE SALE. Dual tracking violation!! I did not feel comfortable submitting a new application as this would start a new day on the application. So I keep my application from XX/XX/XXXX. SPS hires attorney XXXX NC sent inspectors to my home for violations, hired a realtor XX/XX/XXXX took pictures of my property, and valuation reports. Yet they assured me the XXXX loan modification was being processed while they have been XXXX. DUAL TRACKING VIOLATION. 

On XX/XX/XXXX, Attorney FC Foreclosure fee {$400.00} was added to my detail summary and a Forbearance was approve XX/XX/XXXX and a FORECLOSE sale date. I am confused .I have asked repeated questions that have been purposely unanswered. XX/XX/XXXX I received a FORECLOSURE SALE date. 

An SPS Consumer Affairs Representative XXXX called approx. XXXX XXXX, Wednesday, XX/XX/XXXX, and tried to coerce me to remove my Mortgage Loan Modification application, aka XXXX. XXXX stated that I needed to cancel my modification application for the forbearance to be active. She then stated I could choose a forbearance. The only thing she would require is for me to cancel my modification application dated XX/XX/XXXX. During the conversation XXXX acted like she did not know anything about the FORECLOSURE. This is a Dual tracking law violation! XXXX WANTED ME TO REMOVE THE MODIFICATION? 

I am documenting the companies behavior as this may help other consumers prevent fraudulent foreclosures during XXXX application. 

My spouse did not respond. After filing the proper paperwork to protect my home SPS has listed my home on XXXX and XXXX websites. I am requesting this information to be removed immediately. 

AS AN ESSENTIAL XXXX WORKER DURING COVID 19 THIS IS UNFAIR TO HARASS A CONSUMER AND NOT PROVIDE CLEAR PROPER COMMUNICATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: STATE FARM BANK, FSB
State: CA

Complaint narrative:
To whom it may concern, I received a notification from my credit monitoring service that I had a negative account reflecting on my credit report. So after I inquired further, I noticed this account from State Farm Bank. I never opened nor applied for this account. I contacted the Bank  and the credit bureau 's and neither of them wanted to help assist me with this issue. I filled the necessary police report and FTC report with the credit bureau 's and still nothing changed, so now I'm seeking your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I used the Care Credit Card for medical and dental procedures because they offered 2 years no interest. I paid the card every month on time some times way above minimum payment, which is over {$400.00}. I have 12 months left to pay the balance of {$3000.00}. The minimum payment has stayed at {$440.00} which is way more than it should be. {$3000.00} divided by 12 months is {$250.00}. So I am being forced to pay it off 6 months sooner than the promotional offer.I called them and even spoke to a supervisor and they basically said too bad. it is what is is.. So clearly the promotional offer until XX/XX/2021 is fraudulent?

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 2020-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had opened this checking account more than ten years ago with XXXX XXXX Bank, and when the account opened, there were no minimum balance or deposit requirement associated. 

However, since that time, it has been bought by Capital One, and Capital One has since re-branded their 'products ' so many times I have lost counts. 

I have been generally using using my joint account with my wife, and have not bother to use this checking account for years. By chance, one credit card payment was paid through this account in XX/XX/2019, causing the account balance to dip below a threshold amount. 

Since then, Capital One has been charging a monthly fee of XXXX until I discovered this charge. 

Capital One refuse to refund the fee, and said to me that " that has been the rule since the account was opened. '' This is completely untrue because this account was not even opened with them, they can not had this rule in place at the time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04 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: FL

Complaint narrative:
All credit card accounts on my account was opened fraudulently I had no knowledge of the accounts someone is pretending to be me and stole my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
i notice some inaccurate and incomplete information that is reporting on my credit report from transunion so on XX/XX/2020 I sent a letter to transunion and XXXX disputing the errors that showing from them and i requested the method of verification on the items as well

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 2020-05-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have contacted the bank several, several times and spoke in person about my issue. {$9000.00} was deducted from my line of credit by fraud and I have a copy I received from the bank with the account number it went into, that IS NOT my account number, and the routing number IS NOT my account. The bank will not help me solve this fraud or investigate this issue and are now charging me for this transaction that I did not make? 
I am now paying double the amount I owe. Where do I go from here for someone to investigate this situation? Thanks.

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 2020-05-04 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: Selene Holdings LLC
State: GA

Complaint narrative:
I filed a credit dispute on XX/XX/20 with XXXX  regarding Selene Finance. I have never had a mortgage or signed/agreed with Selene Finance for the said amount. All XXXX  did was investigate for one day and updated nothing. The entire information is incorrect the amount is well over the mortgage for the home that I showed proof of. They gave an automatic response without looking into this. I believe its mortgage fraud showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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:
show tooltip button XXXX XXXX XXXXDispute XXXX XXXXDispute CREDIT XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXXXXXX/XXXXDispute XXXX XXXX XXXXDispute all ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
Sent a loan modification package to BSI Financial and gave never heard back from them. They do not answer their phones or respond to emails or voicemails. Package sent XX/XX/XXXX overnight delivery. I dont think anyone works there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: TX

Complaint narrative:
I used my direct express debit card at a corner store at the ATM ... the ATM crashed at the end of my transaction and put an error message up ... the money never came out ... ..i told the owner of the store and he checked the machine and said the money was never dispensed ... I told him I KNOW ... but the money was already deducted from my account! He told me to call my bank ... .i then called the police and they advised me to call number on ATM ... ..i immediately did ... .they asked for my card number I gave it ... .they advised me the money was never dispensed ... .i knew that but couldn't understand why it was paid on my account ... i spent the next 3 days trying to get in touch with my bank which was impossible ... i finally got some one and they took my dispute ... .and told me I could get a provisional. Credit after paperwork was received. I thought problem solved ... then I tried to use my card for a simple purchase and it was declined ... i checked my account online and my card had a fraud suspension on it ... .at this time days later I have been unsuccessful contacting my bank ... .they won't answer ... i have been on hold for hours and hours and they won't answer they stole XXXX XXXX dollars from my social security money and they won't take my call ... .during this stressful time financially they took advantage of me ... .ive been ready about direct express on the XXXX website ... .and I'm shocked this fraud is perpetrated on hundreds of people!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020 I transferred {$250.00} electronically out of my checking account at Fifth Third Bank to another financial institution. The bank charged {$3.00} for this transfer. The brochure that describes the account I have ( Free Checking Plus ) does not list this fee in the list of fees provided on page 7 and 8 of the brochure. I am attaching this brochure below. When I contacted customer service to see if this fee was a mistake, they said it was not. They had no explanation why this fee was not disclosed in their literature for this type of account. It is my understanding that banks are required to disclose all fees to their customers. If that is the case, Fifth Third Bank is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: WV

Complaint narrative:
This company is NOT abiding by law. I have tried numerous times to fix this issue with the furnishing dept. Typically, the loan amount is posted onto the credit report and principle gets secured every month. Never does a 10 day payoff amount get posted and NEVER does it increase due to interest. They have been increasing every single month, not deducting the principle. We took a loan amount of {$25000.00}. Our statement from XX/XX/XXXX shows a balance of {$24000.00}. Instead, theyre actively INCREASING this amount which by law, is severely incorrect. This is not a revolving account but seems to be treated as such. This is HURTING my credit, increasing my Debt to income ration every month when it should be decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX we were notified that a parcel of land, that we own, had not had the taxes paid for since we bought it, XX/XX/XXXX, therefore it will be sold in a tax sale, as of XX/XX/XXXX. We notified our mortgage company, National Star/Mr Cooper. We were informed that it would be immediately correctly and not to worry. We have been working with XXXX County Treasurer 's office ( in Indiana ) to correct the situation, however, Mr Cooper has been fighting against us to pay the taxes, even though we have an escrow account established, from day one of the loan. We have tried, weekly, to resolve this issue to no avail. Mr Cooper refuses to cooperate in any corrections. My husband is a XXXX veteran who has NEVER missed a payment, never had a late payment, and here we are on the verge of losing our home in 7 days. They are taking monies out of our account and NOT paying the taxes. We are angry and scared that we are losing everything that we worked so hard to get, all because a company, that was trusted, is destroying it. My husband suffers from XXXX and this situation has put him in a tailspin. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: MN

Complaint narrative:
EQIFAX For several years I had no issues with my online account, then toward the end on 2019 I could no longer access my account. I attempted to change my password with no success. I contacted Equifax and they requested hard copy information. I sent a hard copy of my Drivers Licence and SS card on XXXX XX/XX/2019. I have had many phone communications with the company, usually ending in password reset. My final communication was that I would be no longer allowed to have an online account. 

I would like my account access restored

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
show tooltip button XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX  XXXX XXXXDispute XXXX   XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX/XXXX/XXXXDispute XXXX XXXX XXXXDispute all ftc violations

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 2020-05-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
show tooltip button XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX  XXXX XXXXDispute XXXX  COMMUNITY CUDispute XXXX COLLECTION XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX/XXXX/XXXXDispute XXXX XXXX XXXXDispute all ftc violations

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 2020-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: MarineMax East, Inc.
State: FL

Complaint narrative:
Hello, my complaint is as follows. I was engaged with New Coast financial services in regards to a boat loan. Through the process they collected significant amounts of Financial and non public information. 

At no time in the process did they provide a notification of their policies and practices for protecting my NPI. They collected my NPI on a non secure XXXX XXXX and routed my personal information over non secure email. Nor did they disclose the 3rd parties my data has been shared with and what their policies are re : protecting consumer NPI. 

I have substantial assets in the accounts they collected information on, and I received no response in regards to my queries on their policies for protecting and or destroying my NPI and PPI. 

I am a former XXXX XXXX and have intimate familiarity with the As a broker or lender you are governed by Gramm Leach Bliley Act, or GLBA which requires financial institutions to provide clear and understandable notification of the companies policies and practices for protecting NPI. And that the notification must be made explicitly on paper or online, and must meet specific disclosure requirements. 

The company failed to provide any such notification during the application and data collection process and failed to respond to my direct questions regarding my privacy rights and their responsibility for protecting my NPI. 
I am a victim of financial fraud in the past and am deeply concerned that New Coast Financial is miss handling my NPI.

here is the contact of the individual I was working with ....

XXXX XXXX XXXX years in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Newcoast Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX direct XXXX XXXX fax XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation