vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC.
State: TX

Complaint narrative:
I applied with XXXX XXXX XXXX, specifically the mortgage loan originator XXXX XXXX. They ran my credit, took my personal information yet refuse to provide me with a loan estimate. This process began on XXXX XXXX, 2017 and today is XXXX XXXX,2017. He presented me with a prequal that just listed the rate. I found a home that would be built so I updated him with the exact mortgage amount needed, terms, taxes, etc. and he has refused to send me any term sheet, loan estimate etc. I asked why my credit was ran if nothing was going to be provided and he switched his words from saying I applied ( which is why my credit was ran ) to that I only partially applied. How do you partially apply to anything? In my opinion You dont partially apply to anything if your credit is ran, you say specific loan terms, down payments etc. Three other companies have had absolutely no problem submitting me this information, as is required by XXXX within 3 business days, but he for some reason refuses and insists on calling me multiple times a day when Ive asked him to stop and only contact me through email. I want nothing to do with this shady company and feel my credit shouldnt have been pulled based upon false pretenses and receiving literally nothing in return. Why would anything apply for anything to receive zero information? Disgusting way to do business. Upset my credit score will drop based on these misleading business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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 — Other problem getting your report or credit score
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
OCWEN MUST CONDUCT LOAN REVIEW WITH XXXX AND TO FIND OUT HOW TWO ACCOUNTS WITH THE SAME OCWEN LOAN ACCOUNTS NUMBERS ARE ON XXXX CREDIT PROFILES. 

DUPLICATED ACCOUNTS ARE MOST LIKELY THE BUREAUS ERRORS. A AUDIT MUST BE CONDUCTED UNDER THE PRIVACY DECLARATION ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: CA

Complaint narrative:
I find fraudulent charges on my Discover card on XX/XX/XXXX statement for {$220.00} XXXX Immediate reported to Discover and request to cancel my card. Because I was only getting online statements not a paper I have very difficult to understand spend many hours frustrate request for a paper. I call to pay my total balance over the phone of {$1300.00} except the fraud of {$220.00}. After this, I expected XXXX balance. On XX/XX/XXXX realize my card still active charge {$850.00} which I paid. I was waiting for my XXXX  balance. Finally, I receive my new card but I not activated in till my XXXX balance to use. Instead on XX/XX/XXXX, I receive a letter from Discover reversed the {$220.00} charges in favor of XXXX because they shipped something to my address on my X-husband name. He does not live in this house since XX/XX/XXXX and any mail in his name I not open is a place he picks his mail. I keep calling Discover over and over instead of helping me frustrated me telling me the I have to pay for this fraud? Now the amount of {$220.00} up to {$270.00}. from interest late fees. On XX/XX/XXXX, I receive a statement of {$580.00}?? double the charges. Is been impossible to deal with Discover and 2 different complains cfpb but after Discover answer to the complaint, you close my case with no help. Please help me with this nightmare give me a chance to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I recieved a credit alert that my synchrony XXXX account was past due on my credit report. This account was on autopay so it should not have gone past due. The last {$28.00} was never deleted from my account. I also never recieved a call or notice that I was past due.

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 2017-11-22 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX MUST CONDUCT LOAN REVIEW WITH TRANSUNION AND TO FIND OUT HOW TWO ACCOUNTS WITH THE SAME XXXX XXXX ACCOUNTS NUMBERS ARE ON TRANSUNION CREDIT PROFILES. 

DUPLICATED ACCOUNTS ARE MOST LIKELY THE BUREAUS ERRORS. A AUDIT MUST BE CONDUCTED UNDER THE PRIVACY DECLARATION ATTACHED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX MUST CONDUCT LOAN REVIEW WITH XXXX AND TO FIND OUT HOW TWO ACCOUNTS WITH THE SAME XXXX XXXX ACCOUNTS NUMBERS ARE ON XXXX CREDIT PROFILES. 

DUPLICATED ACCOUNTS ARE MOST LIKELY THE BUREAUS ERRORS. A AUDIT MUST BE CONDUCTED UNDER THE PRIVACY DECLARATION ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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 with product or service terms changing
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
EQUIFAX IS PROHIBITING MY ACESS TO ONLINE MONITORING SERVICE IN RETALIATION FOR THREATENING LAWSUITS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: GA

Complaint narrative:
I was a student at XXXX University in XXXX, Illinois. The time that iI received financial assistance the company was XXXX XXXX the company was more than willing to discuss forbearance options - continuously off setting my loan. This was a very vulnerable part of my life. For years I was advised that forbearance was my best option, as opposed to a repayment plan. A couple years ago I brought up different pay options. Was placed in IDR- now in a standard. My total monthly payment is {$200.00}. I was under the impression - that I was paying a 6.875 interest rate- {$100.00} is applied to interest {$100.00} is principal - however on my credit report {$74.00} is applied to the balance - something does not add up. I am being ripped off - Navient is the worst

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My account has been on autopay and now Im 2 months past due and I have a late payment on my credit report. I was on autopay so I shouldnt be late. I didnt recieve a letter or call. As soon as I was made aware I paid the {$650.00} amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
Replied to my previous CFPB complaint with a false statement about when they first contacted me about the debt, insinuating that I did not request validation within 30 days which is not true. 

Did not explain why they will not provide the validation documents I am asking for. They even detailed what they are going to send me but what I have asked for three times now is not included. 

They also, instead of contacting me about the CFPB complaint, sent debt collection notice to my mother. 

They continue to insist that they have the proper documents to sue me despite being barred by the CFPB. However, they refuse to send me what I keep requesting. 

Then their attorney asked me to contact him with questions but did not give his contact info.

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 2017-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ACOPIA CAPITAL GROUP
State: FL

Complaint narrative:
I sent Loan Officer XXXX XXXX from XXXX XXXX  XXXX with NMLS # XXXX a buyer to get approved for a loan. 
XXXX XXXX was keeping me informed at the beginning with updates & after a while I could n't reach him and after researching XXXX XXXX closed my clients and also stole my real estate commission which XXXX never said he was a Realtor as well. That 's unethical. 

I have the emails as proof. Now XXXX XXXX or his president XXXX XXXX wo n't accept my calls or respond to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I have previously submitted complaints against Ocwen Loan Servicing. My most recent complaint was XXXX, submitted last month. As interest has continued to mount as a result of their poor customer service, I was notified that my payment last month was being held in suspension. When I requested a new copy of the application for loan modification from a representative -who, AGAIN, was not my assigned relationship manager- the document was initially sent to an incorrect E-mail address, causing further delays. When I approached my attorney about the issues I 've had with Ocwen, I was told that I most certainly had valid complaints against the company, however, a lawsuit would cost time and money. Instead, I was advised that Chapter XXXX Bankruptcy would protect my house and allow me to begin paying back the past due amount on the mortgage, which is what I have been trying to do all along, but kept facing roadblocks from Ocwen. 

These past couple of years dealing with Ocwen have been extremely disheartening and stressful. While filing for Bankruptcy is embarrassing, it has at least provided me with some peace. Why should I have been forced to go this route? Why has n't Ocwen, despite their apologies, been held accountable?

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 2017-11-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: IL

Complaint narrative:
RE : XXXX XXXX XXXX : XXXX XXXX. 
XXXX : XXXX Web : XXXX Correspondence Address : XXXX XXXX XXXX. XXXX XXXX XXXX, NE Zip XXXX I took out a student loan through XXXX in XX/XX/XXXX. Approximately 1-2 years ago the loan was transfered to XXXX XXXX. It was a horrible loan because the interest charged was 10.25-11 %. I needed the loan to complete my degree. I had a second loan with another student loan institution for 3 %. 

I decided in XX/XX/XXXX, to consolidate both loans through my credit union for 3 % interest. To complete the application process the credit union had me fill out an application. They also requested payoff letters from both student loan companies to be reviewed. The other instituition provided me with a payoff letter within 3 days. 

In XX/XX/XXXX, I began calling XXXX XXXX to request a payoff letter. Since then I have called their customer service department at least 15 times requesting a payoff letter. The representative ( s ) have been so nice each time when I requested but I never get a payoff letter all 15 times. If I receive anything it is mail saying they received my call or some other junk mail. The last time I called was XX/XX/XXXX, I was so angry I just was beside myself as to why they still have not sent me a payoff letter. I still have not received anything and I am worried my 2nd application with the credit union is going to expire because of no payoff letter from them. 

I have done everything I can -- - please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I have applied for a modification with my servicer XXXX XXXX multiple times. Their only response is that the " investor will not allow a modification ''. When I ask who the investor is, ocwen says it 's a " pool '' of investors. The address ocwen gives me as the pool is a fake address the phone # that they give me is a recorded line that has nothing to do with the pool of investors on my loan. Ocwen states they are not capable of reaching the investors. Ocwen states the cooperate with the Hamp program but has rejected my multiple attempts to modify my loan that is currently at a 6.75 %. Ocwen will not work with me other than a repayment plan which literally triples my normal monthly payment. My loan was sold to these mysterious pool of investors who have absolutely no way of contacting them. I opened my loan in 2004 when all the preditory lending was going on. I need help locating this " pool '' or to force ocwen into offering me a fair modification on my loan that everyone was supposed to be offered due to the fair lending, preditory lending laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: BB&T CORPORATION
State: OK

Complaint narrative:
I purchased a vehicle and got financed with XXXX XXXX  XX/XX/XXXX I got a 72 month loan with payments in the amount of {$450.00}. I currently have a balance of over {$9000.00} and they told me I have 22 payments owed each in the amount of {$490.00} totaling XXXX. We have made a whole lot more payments over the term of 72 months. I called and spoke to the " CEO '' XXXX/XXXX/XXXX and we didnt get anywhere. I called again today to get answers and all they tell me is that I owe over 9K. My contract indicates a fee of {$20.00} if paid late or 5 % but does not mention that all payments will cover interest only. We have been paying for 9 years and cant get this loan paid off. No action is taken by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MO

Complaint narrative:
On XXXX XXXX, 2017 I received a call from a number that I did not recognize. I did not answer the call. Not 30 seconds later the phone rang again with the same number. Again I did not answer. Again not 30 seconds later the phone rang another time. I finally answered it. This was at XXXX XXXX I spoke to a very rude person named XXXX. She said was with Cash Central and asked me for the last 4 digits of my SSN.  She informed me that I had a past due balance of XXXX. I asked why she called three times in a row and she then told me that she could do that and since it was before XXXX XXXX it was in her right to do so. She then went into this lecture about how I needed to pay my bills and if I had just been paid why hadnt I paid this bill. I told her that I did not have the money at that time and she then said " well I think you never intended to pay this. '' Granted I had made several payment to them in the past. This is only a few days past due. The payment was only due on the XX/XX/XXXX. I revoked ACH debits because I thought they were only going to take out a payment of XXXX and they took out a payment of XXXX. XXXX then demanded that I pay the full amount now and that if I did not they would only be forced to take this matter further. She threatened me and then she hung up on me. I called the place back. Got the same XXXX who then pretended to not know who I was. She then proceeded again to demand money and again tell me that I wasnt going to pay anything back. When I revoked the ACH I asked them to only contact me by email. I informed her of that and she told me that I wasnt going to get " special treatment '' and again demanded money by the end of the month and kept pressuring me to set up a payment with my debit card. I then asked to talk to her supervisor. Again very rude, very hateful. I have asked them not to contact me on the phone again. Calling three times in a row at XXXX is rude and disrespectful. The fact that I asked them not to contact me this way in writing and yet they still continue to harass people. XXXX continually threatened me with taking this matter further. It is not even 30 days late. The supervisor then yelled at me over the phone saying that she had other customers to take care of -- after she told me that this was a collections call and not customer service. These people are terrible and threatening that take advantage of people.

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 2017-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have had many unauthorized charges on my joint checkings and savings account over the past three months ( XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX 2017 ). Over these three months, I have changed my account three times and have received several temporary cards. However, in XX/XX/XXXX, when I called customer service because my card was not working they told me that the card information I was providing them with did not match the information on their system. I then had to physically go to the bank to speak to a representative and get reissued another card. The card I received at the bank did work. 

I then continued to see unauthorized charges which led to a constant overdrafting on my account. I have not been able to pay my bills on a regular basis because of the unauthorized transactions that have left me with insufficient funds. 

I closed my joint checking and savings account completely approximately around the first week of XX/XX/XXXX and then opened up a checkings account around that same time. However, I still saw unauthorized charges on the new account so I requested a new temporary card on XXXX XXXX, 2017. 

While Wells Fargo reversed the charges that were unauthorized, there was a delay in getting the funds reimbursed back into my account which affected my ability to pay my regular bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN

Complaint narrative:
I received an email from a real estate agent yesterday indicating that my home is currently advertised with an active rescheduled mortgage foreclosure sheriffs sale date set for XXXX XXXX, 2018. I never received notice from Bayview Loan Servicing or XXXX XXXX XXXX XXXX XXXX about this rescheduled sheriffs sale. Also, although mortgage foreclosure prevention options have been requested numerous times by me and my attorney, Bayview has not communicated them. 
Resolution and mortgage foreclosure prevention action is urgently needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit card payment to XXXX on credit report marked late. Not in fact late. Confirmed that XXXX did not report the payment as late. See attached. One credit bureau already removed the entry.

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 2017-11-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit card payment to XXXX on credit report marked late. Not in fact late. Confirmed that XXXX did not report the payment as late. See attached. One credit bureau already removed the entry.

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 2017-11-22 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: Credit Plus Inc
State: TX

Complaint narrative:
On XXXX XXXX, 2017 XXXX XXXX SUBMITTED A HARD INQUIRY ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Since 2011 I have held a XXXX XXXX XXXXXXXX XXXX Credit Card with CitiBank. I had loads of positive credit on my 3 credit files. The account is open, active and all positive credit. Last year I checked my credit file and the account was missing. I made MANY calls to customer service and each time I was told that they could not help. One time a lady ( XXXX ) said to not worry that she would sort it out. I still do not see any of my past credit. I want that all put back on all 3 credit bureaus. I can not get anyone to agree that this could have happened AND how to fix.

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