vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
So my loan was sold to PHH Mortgage. I am trying desperately to pay it. I called the number and waited for 40+ minutes. Now I am told that my loan is not set up so I can not get to it nor pay it. I was routed to someone in XXXX - I'm sorry wasn't it the US government that said that consumer credit is part of National Security? Not happy with my information being shared half way around the world. Gentleman,  condescending as he could be, told me not to worry, that there would be no late fee for 60 days. I asked for that in writing sent to my email - no can do. He also stated that a letter was sent from PHH Mortgage  on XX/XX/XXXX - never received. Nor did XXXX XXXX send me a notification. So I have a loan number but no account - ha! Please fix the banking system so there is some common sense and not just hands reaching into pockets for cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: KEYCORP
State: NY

Complaint narrative:
Attached is the XXXX statement for XXXX XXXX. 

Key Bank is claiming a lack of standing for me tp complain about its conduct, because I am not the executor of XXXX XXXX 's estate. I am still a successor-in-interest and have completed the successor-ini-interest form, sent it to Key Bank and the company has acknowledged its receipt. As a beneficiary of the estate, I do have an interest in Key Bank 's malfeasances that affect that interest and believe that the CFPB should insist on a response from the company other than a claim of a lack of standing of the complainant. 

Key Bank is again charging for fees an inspection fee and legal fees - that have not been approved by a New York State court, which pursuant to New York State law is required before they can be assessed ( see p. 2 of the XXXX monthly statement ). 

Key Bank is claiming these fees are part of the delinquent balance, even though these fees have not been approved in kind or amount by a New York State court. This makes it more difficult for a borrower to cure the deficiency and the default. If I were the CFPB, I would make sure Key Bank is not doing this systematically with other borrowers, because it appears to be computerized. See p. 1 of the XXXX montlhly statement, the identified past due amount and the amount currently due. 

Legal fees assessed to this borrower include legal fees in which the attorney proponent of the legal document ( motion for summary judgment ), XXXX XXXX, XXXX, now formerly of XXXX, XXXX, XXXX XXXX XXXX, XXXX, violated his oath pursuant to New York State CPLR 3012-b that the motion had merit even though it took the position that a home loan was no longer a home loan just because the borrower died, which is the opposite of the position Key Bank has taken with the CFPB, such that Mr. XXXX should have been collaterally estopped from making the argument, and he had an obligation to review the file before making the representations he did in his legal papers. XXXX XXXX, XXXX, also now formerly of XXXX, XXXX, XXXX XXXX XXXX , XXXX, was his supervisor and, at a minimum, violated New York XXXX 's professional legal code of conduct 's rule associated with " Fairness to Opposing Party and Counsel, '' as, of course, Mr. XXXX violated also in so far as he violated the state 's criminal code regarding making a false sworn statement, a Class A misdemeanor in New York State. I do not such legal fees should be assessed, but, as I have written before, that is why a New York State court needs to approve the Key Bank 's assessments ; certain, if not all assessments, may not be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A few months ago I discovered that Experian was charging me a monthly fee of {$23.00} that I do not recall authorizing. At the time I experienced difficulty trying to get the payment cancelled. I located several telephone numbers related to customer service, but not once was I able to get in contact with a real person. The system is automated and is very limited on the options. There was no option to either speak to a person and/or cancel membership. This month I was again hit with the charge, even though on XX/XX/2019, I received notice that the membership was cancelled ( in response to an on-line notice sent by me to Experian. I was again billed in XX/XX/2019 and again this month, XX/XX/2019. On top of that, I initially tried to cancel membership as early as late XX/XX/2019, but was unable to contact anyone to handle this. After discovering the most recent charge, I wasted another hour trying to contact Experian Customer Service XXXX XXXX. I was able to log into my membership and discovered they still showed my credit card as active for billing purposes. I cancelled the credit card, so hopefully there will be no additional charges. I content Experian owes me refund for the last XXXX payments in the amount of {$71.00}.

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 monetary relief
Consumer complaint received 2019-07-06 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: FL

Complaint narrative:
I recently submitted a request for investigation of several accounts, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already contacted me about most of these fraudulent accounts and have removed these accounts. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX   system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX   system that does not even contain my reasons for the dispute is not reasonable.

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 2019-07-06 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I have been trying to resolve these issues with Exeter Finance from XXXX. Last time I tried to resolve the issue was just last month XX/XX/XXXX and the Dept of Justice, Mr XXXX 's office rep also tried to send them a letter regarding this issue. Exeter did not correct the problem. 

Exeter financed a fraudulent loan with XXXX XXXX which I came to be aware of after the Class Action Lawsuit was filed against Exeter. I was misled and was given wrong information about the XXXX employment to secure this loan. Exeter has ruined a lot of people 's credit by practicing unfair Auto Loans. Financing is illegal if lenders do not have a basis for believing that customers will be able to repay loans as scheduled

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX ( Original Creditor : 11 XXXX  ) 142

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 2019-07-06 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX : XXXX 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 non-monetary relief
Consumer complaint received 2019-07-06 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: NV

Complaint narrative:
i have a problem with the equifax web site.the updates button are not working.i have had numerous issues with equifax web site? the tkt number was givin to me is XXXX.i am paying XXXX a month for there product and it is still not working??????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
I received a debt collection notice dated XX/XX/2019, from XXXX ( XXXX XXXX XXXX, XXXX, OH, XXXX ) for the amount of {$900.00}. 

This is for a medical debt from a nearby hospital who ignored my calls to dispute the fact that I was double charged for services. 

I did not receive the debt collection notice until after XX/XX/2019. 

I have made efforts to pay the debt online however the website is inaccessible : it has numerous error pages when trying to login, seems very insecure with provided " usernames '' written on the notice - and passwords that are way too simple, and overall the website is not user-friendly. I did manage to make an account however after trying to make a payment, I get an error. A week later I tried logging in to the website again which gave me an error. 

I have tried calling CBCS at their provided number, XXXX, but I am always met with a difficult to hear voicemail after waiting on hold for several minutes. I do not understand what is being said on the voicemail. 

My complaints include : * I was not given time to dispute the debt because I did not receive the notice until after 30 days * I am unable to even pay the debt online or over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: FL

Complaint narrative:
In XX/XX/XXXX my purse was stolen while sitting at a restaurant/lounge. A couple weeks later their were credit card accounts, utility bills, and loans in my name I never applied for which I've disputed. In XX/XX/XXXX someone filed taxes in my name as well. I filed a police report and sent it to the IRS but never received it back.

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 2019-07-06 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 XX/XX/XXXX my purse was stolen while sitting at a restaurant/lounge. A couple weeks later their were credit card accounts, utility bills, and loans in my name I never applied for which I've disputed. In XXXX someone filed taxes in my name as well. I filed a police report and sent it to the IRS but never received it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened this account in XX/XX/2019 and have deposited the same dollar amount in checks every two weeks and I am consistently having funds held from my account. When I called to find out why they can not give me a reason. I have been to a branch twice to have the funds released and they continue to do it. I have never had an overdrawn check or a low balance in my account. I have threatened to close the account and go to a different bank and that doesnt work either

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 2019-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Recovery Solutions Group, LLC
State: NM

Complaint narrative:
XX/XX/XXXX XXXX Got an email from XXXX XXXX about having a personal asset investigation on me for debt owed of {$18000.00}. He indicated that he has tried to contact me but this is the first time i received an email. I have never received anything in the mail from this debt collector. I asked what the debt was about and he will not let me know anything about this debt. He says i have to call. In his initial email he threatens, " My investigators will attempt to locate anything of value that can be auctioned off at Sheriffs Sale or levied through the courts once my client obtains judgement ( Property, Tangible Assets and Bank Accounts ). '' I did respond to him requesting what the debt is and he again refuses to attach any information. I told him to send me something in writing. I do not want to call because then i have no transcript of the situation. Why was there not an attachment of debt to the account to begin with? Why is this company doing an asset investigation on me? For what? i do not understand what this is or what is going on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
equifax has charged me over the billlimit.they have charged me for 4 months service and i have a monthly payment of XXXX.i want this to stop and quite over charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I have contacted the FTC and my local police. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX. inquiries : XXXX, XXXX ' XXXX, XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have had a bank account with wells fargo since 2006 and in the last year there has been an issue with the account I had with my husband. When I went to the bank to resolve issues with consistant problems of money coming out of our account through XXXX and other services it seem to not be an issue at all until I disputed a XXXX payment at one time that resulted in almost {$300.00} going missing from the account. After getting no help from them and fighting to get it resolved they quickly got nasty and closed our accounts. I argued that we have had no resolution to stop the claims other than being told to file claims online or call the claims department to resolve them but yet we got told there was an excessive amount of claims filed on the account and its our fault. Since they did not help us in anyway to resolve the matter I feel that our accounts were wrongfully closed.

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 2019-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have had an account with Gap. I went on vacation and return 4 days late and paid the account which I thought I had five days. They reduced the limit which surprised me and I didn't question it but continue to pay the account down vying not use it again and just stop buying from Gap. Well little did I know it wasn't Gap it was Synchrony Bank causing such horrible fess about nothing. My account was always 100 % paid on time except for that one time. I continue to pay my account and finally down to zero. Today I received a noticed stating my account was being closed based upon paying and credit score. They talk about credit score, what they did by closing my account which I OWNED THEM NOTHING cause my score to drop by XXXX points. I am in the middle of closing my first home and this may cause my sale not go through because of this. 

THIS IS WRONG!!!!! CAN THE CONSUMER FINANCIAL PROTECTION BUREAU do something!!!! THIS IS NOT RIGHT OR FAIR I did nothing wrong WHATSOEVER!!! I don't even own them any money. I get the bad end of the choice that Synchrony Bank makes and did nothing wrong. I consider seeking legal action.

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 2019-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX ( XXXX ) & XXXX XXXX XXXX Please see attachments. We have contacted the toll free number twice ... once on XX/XX/XXXX and again on XX/XX/XXXX. At issue is a {$6.00} credit that had accumulated as of the XX/XX/XXXX statement {$6.00}. Called XXXX ( an unidentified male took the call. ) He said that he would apply BOTH the {$6.00} and the ( then due ) {$5.00} credit. This was NOT done so I called back on XX/XX/XXXX and spoke with XXXX who assured me that the credit ( {$6.00} ) would be issued RIGHT AWAY before the next statement closed. When there was no credit to our account I elected to go this route and have the CFPB contact the company. Attachments are demonstrative of the sequence of events. XX/XX/XXXX Statement, XX/XX/XXXX Statement and the XX/XX/XXXX Statement as well as, screenshots of the two calls I ( XXXX XXXX ) made to the toll free numbers.

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 2019-07-06 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: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I have contacted the FTC and my local police. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX. inquiries : XXXX, XXXX ' FCU, XXXX, XXXX XXXX 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 2019-07-06 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: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I have contacted the FTC and my local police. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX. inquiries : XXXX, XXXX ' XXXX, XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief