vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Las t XX/XX/XXXX , I called OCWEN about my home loan in regard to it 's converting from the ARM to pay down. I knew it was coming up. They informed me on the phone that it was not going to mature and that I was good. I was shocked in  XX/XX/XXXX  when I  received a call that I was late on part of my payment. My mortgage went from  XXXX  to  XXXX . I was told I could modify, but found  out  4 m onths later, that the loan I have specifically says I can not be modified. The lack of professionalism throughout can not be overlooked and fraudulent and ignorant activities seemed shocking. I continued to pay my payments in two increments, the original payment, and the balance to cover the new monthly. I was finally able to refinance my loan. Apparently in one of the last months,   XX/XX/XXXX , I was late 3 days on a partial payment. It was either my error or the bank, but either way, it was three days on only a part of the payment. Because of this, they reported me and my Credit score was severely impacted. It then caused me not to be able to refinance a HELOC at that time. I have been rejected in my attempts to appeal to OCWEN and to be honest, they have never been helpful throughout my experience with them. Their incompetence has been a hurdle I have dealt with since   my loan was sold to them. I feel that OCWENs practices are questionable and their reporting me was above the necessary. Also, their fraudulent information given to me hindered my ability to make good decisions about my loan. Much of this would have been avoided if they had not lied to me. This lying seems illegal especially based on the fact they were able in return make more money off me. I want to report them for their questionable practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
In     XX/XX/XXXX , my car was totaled and I had to resign from my position as a result. I called Navient on  XX/XX/XXXX  and paid {$150.00} for a 3-month forbearance, but the forbearance would cover the two months I was past  delinquent (   XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX ) and I  would have to call again  in  XX/XX/XXXX . I   moved in with my aunt in  XXXX , PA on   XX/XX/XXXX  and have not found a job as of yet. I did not have savings, so what I have from my final paychecks is depleted. I called Navient today,  XX/XX/XXXX , and told them I am unemployed and do not have {$150.00} for the forbearance. They informed me that if I was n't in   school or could n't pay {$150.00}, they could not stop my payments. I asked the representative to please record that I had called and informed them of my situation and tried to resolve it. I have   XXXX   co-signers : My father,  XXXX   XXXX , and my grandmother,  XXXX   XXXX . Neither of them are in contact with me right now because I went into delinquency with  Navient la st year due to financial issues and they became angry with me because of it. In   XX/XX/XXXX , I  ended a long-term relationship and moved into an apartment on my own. I also bought a car. These decisions were not financially responsible, but I bear all of the blame for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On  XXXX   XXXX , I submitted required documentation toward disputing several items on my credit report and notifying Transunion,   XXXX   and   XXXX   that I was a victim of identity theft. I submitted all the required documentation that was required by the individual credit reporting agencies and that which was required by law under FCRA sec  605B ( 15 U.S.C. ..1681c-2 ) the law states the with submission of my proper identification, along with law enforcement notification, ie. a police report identified items shall be block in no more than 4 business days. Upon approach to the issue, all institutions stated that there practice is to investigate for 30 days and that I would be notified at that point. Not only is this confusing it is illegal to the legal  duties of upholding the aforementioned rights of the consumer. I am placed into a position of feeling victimized twice. I seek that the information be blocked immediately for I am neither benefactor of the accounts nor did I give permission to another.

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 2017-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington Bank advertises publicly a {$300.00} sign up bonus for their Huntington 5 checking account. The public link can be found here : https : //www.huntington.comXXXX I followed all the requirements to get the bonus, and yet Huntington is declining to give out the advertised bonus even though I am not in any violation of the terms and conditions. They claim that since I do n't have a targeted promo code, I am not eligible  for the bonus even though no where in the terms and conditions does it say that a promotion code is required. I have attempted to work with Huntington 3 different times over the past couple weeks and they have declined to be helpful in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-04 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: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Advance Financial should be taken out of business. I was not aware of the 279 % interest they charge for a flex loan. They took a total of {$450.00} per month out of my checking account since the beginning of   XXXX  . My payoff balance only keeps getting higher and higher. Their flex loans are set up to  XXXX  customers over and make them further in debt by not helping them in any way due to the outrageous interest rates. What a scam!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Navient has continued to call my mother who is in no way affiliated with the loan about payment, even after I have paid. After calling to let them know this, they said thats the number they have, even though I never gave it to them and that it takes a few days for the payment to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On   XXXX   I went through the various screens and specified, first  XXXX , then Equifax, but in each case at the last screen where it said it was getting the report it said that I could n't get it online and would need to mail to an address they provided. This is misleading when it was advertised as providing an online report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
609  Section/ DELETIONS TO CREDIT REPORT My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your credit bureau issued the report that was used to determine my credit evaluation.     Secti on 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g  ] of the Fair Credit Reporting Act of    1970 pr ovides that your credit bureau should send me all information on file that led to my credit application being denied. According to the pr ovisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurat e reporting.   In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below :   XXXX   XXXX   XXXX   #  XXXX , #  XXXX    XXXX   XXXX   #  XXXX    XXXX   XXXX   #  XXXX   XXXX  #  XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   Please notify  me that the above items have been deleted pursu  ant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts. If you do not remove this items in a timely matter I will file a law suit under section 617  under the color of the law.
If you have any questions or need additional information, please contact me at address noted below. There are a total of 2 pages of items with all three credit reports

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 2017-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SQUARETWO FINANCIAL CORPORATION
State: VA

Complaint narrative:
Received account balance option letter from FreshView dated  XXXX   XXXX  in regards to : Current Creditor-CACH, LLC ;  Original Creditor-  XXXX   XXXX   XXXX  ; Currrent Balance- {$10000.00}.  Three  options were given with the letter stating I had 30 days from date of letter to take advantage of one of the options. Today,  XXXX   XXXX ,   XXXX  , I went to the  FreshView  website to take optio n 1, making 4 pay ments of {$600.00}. I was informed on website to contact them. I called FreshView at  XXXX  and was told that I must call CACH , LLC at  XXXX  as they were no longer handling the matter. Today,  XXXX   XXXX , I called CACH , LLC and was told that the matter was sent to their attorney, the Law offices of  XXXX   XXXX  and that I must contact the attorney. I called the attorney today at  XXXX  and spoke with a  XXXX   XXXX   XXXX  who informed me that I was not yet really in their system and that she would have to wait until I was in their system.  XXXX   XXXX  stated she would call me back when she received my information. My complaint is that it is not yet 30 days until  XXXX   XXXX ,   XXXX   and this debt was sent to an attorney before 30 days. I want to take advantage of the option of ma king 4 p ayments of  XXXX  on this debt before  XXXX   XXXX  as I do not want, and should not, be sued by an attorney when I was given an option letter that is still valid within the 30 days to take advantage of. CACH , LLC had no right to send this matter to their attorney before 30 days from  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 2017-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I am contacting you regarding my student loans that were supposed to have been placed in the Non-for-pr ofit Income  Based Repayment program back in     XX/XX/XXXX . I c alled  Navient a nd spoke with a lady regarding my account ( I do not have her name but I know that there is record of the conversation based on recent conversations with Navient ) and discussed with her that this is the option that I believe is best suited for me and also because I have been with a non-for-profit organization for >  5years  which according to her is a qualification for the program. She took down income information, personal information, and was able to pull all of my tax information. She stated that everything looked good and that she would send me an email of some sort about the program and I could read about it. I never got an email of any kind. She said that according to my income and tax documentation my total monthly payment according to the  IBR  will be $  XXXX  monthly until reevaluation time in a year, i n  XX/XX/XXXX . The re was never any mention about needing to fill out any application, submit any documentation, nothing. She made it sound as if it was complete because she was able to pull all of my data. This was all on   XX/XX/XXXX . T his was a huge relief for me because I have been financially struggling for the last 2 years trying to complete my degree while also raising   XXXX   and working. Well, I get a phone call from Navient last week and to my surprise I am notified that my account is past due and I am late with my payment. I was confused and told the man that there was no way because according to my last conversation in   XX/XX/XXXX , my pa yments are {$0.00} until reevaluation in   XX/XX/XXXX . Tu rns out, my loans were never p ut into the IBR program, the y were put into deferment for some reason. Now, since   XX/XX/XXXX th ere have been a lot of changes to my household as well as my income which I believe is unfair to me to be penalized for this when the error in this situation was not my fault. I believe that my loans should be allowed to be back dated to the date that I was originally promised entrance into  the IBR program a nd it should continue from that point on. If I was charged for deferment, this was done so without my authorization and should have legal ramifications. I am now also having to back check my credit history to find out if there have been any hits to my credit due to all of this nonsense. They are just telling me that it is all my fault and that there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On  XXXX  I went through the various screens and specified, first Experian, then  XXXX , but in each case at the last screen where it said it was getting the report it said that I could n't get it online and would need to mail to an address they provided. This is misleading when it was advertised as providing an online report!

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 2017-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I have an account with  XXXX   XXXX   XXXX  Credit Card. When I enrolled last year, the {$990.00} annual fee was waived. On   XXXX   XXXX   XXXX   I was charged a {$990.00} annual fee. I was not given notification that fees would be implemented, and I was under the impression that the fee would be waived as long as I was on  XXXX   XXXX  status.     I called the credit card company today, and they said they no longer waive the annual fee. I feel I should have been notified beforehand so I can financially prep. Being  XXXX   XXXX  military, a {$990.00} annual fee is not affordable.

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 2017-05-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Received a recently requested credit report from TransUnion that reflected an error under the  Third Party Supplemental Section ( Public Records ). This section reports a Foreclosure ; hence the dispute. Credit Bureau Reps were unable to assi st with the investigation -- only giving contact information for   XXXX   XXXX     This company could not investigate my dispute. In essence, I was informed that there is NO FORECLOSURE in my credit report that potential lenders view, but the re IS one listed in the Public Records Section that is inaccurate. Pl ease investigate!

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 2017-05-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On  XXXX   XXXX , I submitted required documentation toward disputing several items on my credit report and notifying   XXXX   Equifax and  XXXX  that I was a victim of identity theft. I submitted all the required documentation that was required by the individual credit reporting agencies and that which was required by law under FCRA sec  605B ( 15 U.S.C. ..1681c-2 ) the law states the with submission of my proper identification, along with la w enforcement notification, ie. a police report identified items shall be block in no more than 4 business days. Upon approach to the issue, all institutions stated that there practice is to investigate for 30 days and that I would be notified at that point. Not only is this confusing it is illegal to the legal duties of upholding the aforementioned rights of the consumer. I am placed into a position of feeling victimized twice. I seek that the information be blocked immediately for I am neither benefactor of the accounts nor did I give permission to another.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On  XXXX   XXXX , I submitted required documentation toward disputing several items on my credit report and notifying   XXXX   XXXX   and Experian that I was a victim of identity theft. I submitted all the required documentation that was required by the individual credit reporting agencies and that which was required by law under FCRA sec  605B ( 15 U.S.C. ..1681c-2 ) the law states the  with submission of my proper identification, along with law enforcement notification, ie. a police report identified items shall be block in no more than 4 business days. Upon approach to the issue, all institutions stated that there practice is to investigate for 30 days and that I would be notified at that point. Not only is this confusing it is illegal to the legal duties of upholding the aforementioned rights of the consumer. I am placed into a position of feeling victimized twice. I seek that the information be blocked immediately for I am neither benefactor of the accounts nor did I give permission to another.

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 2017-05-04 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: NY

Complaint narrative:
UNAUTHORIZED INQUIRY 'S ON CREDIT REPORT

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 2017-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
UNAUTHORIZED INQUIRY 'S ON CREDIT REPORT

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 2017-05-04 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: NY

Complaint narrative:
UNAUTHORIZED INQUIRY 'S ON CREDIT REPORT

Company response to consumer: Closed with explanation