vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-14 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: MD

Complaint narrative:
I have been dealing with Experian since XX/XX/XXXX in regards to removing unverified information on my credit report. The last round of letters went out on XX/XX/XXXX asking then to remove inaccurate information in which Experian came back and said the information was correct and verified. Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XX/XX/XXXX asking if Experian and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to Experian and to the additional credit bureau 's asking them to remove the information off of my credit report. Experian sends me a letter stating that the information has been verified by a 3RD Party vendor ( in which is not accurate ) but the Bankruptcy states that they DO NOT verify information. EXPERIAN never verified the information and/or sent me documentation on how they verified the information that they put on my 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 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
My home is in a Federally Declared Disaster Area because we were hit by Hurricane XXXX on XX/XX/XXXX. My loan servicer, XXXX, told me that, because my loan is backed by XXXX XXXX and is current, I automatically qualify for a forbearance ... .that my next 3 payments did not need to be paid, and would be added to the end of my loan and that there would be no impact to my credit. XXXX then transferred my loan to another servicer, SLS. During the interim, I received delinquency notices from XXXX, as well as a notification of my housing options ... ..that I could sell my home to avoid foreclosure, do a short sale, and should look for more affordable housing. I also received my very first communication from my new loan servicer, SLS, which was a delinquency notice. I called SLS and was told that they see that I am in a 6 month forbearance, and at the end of the 6 months, ALL 6 PAYMENTS WILL BE DUE ON XX/XX/XXXX, so I should make my payments during the forbearance. I explained that was not what I was told by XXXX and they told me that I should contact XXXX. I called XXXX, asked to be escalated to a supervisor, was put on hold for about 20 minutes and then transferred to a dead voicemail and disconnected. Since that time, XXXX has sent an inspector to my home, when I called to ask why, SLS told me that they do that in case they have to take my home away, they want to make sure the property is being cared for. XXXX has reported me as 30 days past due to the credit bureau. SLS sent me a loss mitigation packet, notifying me of my options for foreclosure, short sale etc because my account is seriously delinquent. I contacted XXXX XXXX, who verified that my property is in a Federal Disaster area and therefore qualifies for a 6 month forbearance. They told me that the loan service companies ARE NOT ALLOWED TO TELL ME TO MAKE PAYMENTS DURING THE FORBEARANCE PERIOD, ARE NOT ALLOWED TO SEND ME DELINQUENT NOTICES, ARE NOT ALLOWED TO THREATEN TO TAKE MY HOME, AND CAN NOT REPORT ME TO THE CREDIT BUREAU AS LATE. Furthermore, at the end of 6 months, I have the option of adding those 6 payments to the end of my loan. I have been harassed by XXXX and SLS repeatedly during hurricane recovery.

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 2017-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
i deposited a check I received with USAA FSB. Days later, the check was fraudulently cashed a second time, so the deposit was reversed from my account. I contacted the issuing bank, XXXXXXXX XXXX, and they requested that I contact USAA bank to initiate a fraud claim, but USAA FSB claims they have no process or interest in processing a claim, so I am left with {$420.00} fraudulently being taken from my account and USAA FSB refusing to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Regarding CFPB Complaint # XXXX, we received credit turn down letters from Chrysler Capital nearly 90 days after applying for credit. Are n't companies bound to send letters out within 30 days of denial? 

Also, the credit score that Chrysler reported for XXXX XXXX XXXX on XXXX/XXXX/XXXX is XXXX. Every credit monitoring service ( one for each of the three major credit bureaus ) lists the score as XXXX, XXXX and XXXX. 

In the late dated letter to XXXX XXXX XXXX, Chrysler also lists : " Serious delinquency, and public record or collection filed '' when there is none. " Too few accounts currently paid as agreed '' when every single account is paid as agreed and always has been. There are dozens of accounts in total. How could that possible be " too few? '' " Time since derogatory public record or collection is too short '' when it 's been over XXXX years since any such record was listed. " Length of time revolving accounts have been established when revolving accounts date back XXXX years. And, Number of recent inquiries on credit report when there have only been two inquiries in the past year, including the inquiry to Chrysler Financial. 

In the late dated letter to XXXX XXXX, Chrysler also lists : Number of accounts with delinquency when there are zero accounts with delinquency. Proportion of loan balances to loan accounts is too high when each loan balance average under XXXX XXXX of the available credit. Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high when each loan balance average under XXXX XXXX of the available credit. And, Length of time revolving accounts have been established when they have been established for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: Sarma
State: NC

Complaint narrative:
I have a charge off on my credit report from XXXX XXXX XXXX XXXX FOR XXXX . I  have paid off through sarma online on XXXX XXXX,2017. I have called sarma and they state account with XXXX XXXX XXXX XXXX will be updated the XX/XX/XXXX, was not done. I called sarma again and they stated they will email XXXX XXXX letting them know I have paid off, called XXXX XXXX and they stated they are still waiting on Sarma. I am in the middle of purchasing a house and I am getting no where with these two companies. I have even faxed the receipt over to XXXX XXXX XXXX XXXX showing I have paid and still no updates on my account nor credit report. Last option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank
State: NV

Complaint narrative:
First Off, I have a secured card limit of {$350.00} The invoice read due, {$370.00} At the beginning of XX/XX/XXXX. I maid a ACH payment of {$360.00} to the card The next two business days, the payment was reflected on my account and I had a XXXX balance. I had available credit of {$330.00} and change. 
Two days later, my bank had sent them a check draft for {$370.00}.
After they received this additional payment, they put a hold on my existing available credit pending the 10 day hold release from my over payment. 
When I asked them why they did this, they stated that when a customer make two payments, their account is immediately put on hold until the funds were cleared. 
When I asked for those additional funds to be placed in my secured savings deposit, they said they could not do that and that I would need to send that money to another address. 
INSANITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: BorrowersFirst, Inc.
State: PA

Complaint narrative:
I applied for a personal loan through BorrowersFirst.com back in 2015. I am now trying to payoff my loan but unable to reach by phone or email. All numbers associated with the lending company has been disconnected and no response through email. Automated debited is still taken out of my bank but BorrowersFirst name does not appear on my bank statements. I would like to resolve this matter and payoff my remaining loan.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Credit card companies continues to allow charges after filing a lost or stolen card. Credit card company say they have the right to continue to allow charges to go through well after the cancellation card has been placed. I believe I was misled by a particular credit card company as well as by others that when submitting a lost or stolen card they can allow charges on new card number. I contacted my credit card company and they state that this is a common practice. I believe that once you submit a lost and stolen card and get a new number no one else should be able to charge until you give them specific permission. I feel that the credit card companies are protecting the vendors/merchants, not protecting the consumer or card holders. I believe this is fraud on the part of the credit card companies to allow continued charges after card has been canceled due to lost or stolen circumstances. Credit card companies continue to collect interest and allow fees to continue in direct favor of the merchant/ vendor and credit card company. Regardless of their policy this is fraud. What protects me and my number from these activities?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In the latter part of XX/XX/XXXX my wife and I applied for a Lowe 's credit card. I then received a letter from Synchrony Bank, XXXX XXXX XXXX, XXXX FL in which I was told that my part of the application had been rejected. My credit score is around XXXX and I owe nothing to anyone except a small mortgage. All my bills are paid on time. My annual income is about {$20000.00}. Apparently the XXXX credit agency had a hand in this decision.

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 2017-11-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In 2015, I retained California attorney XXXX XXXX who filed a lawsuit against Ocwen Loan Servicing. During pending litigation Ocwen Loan Servicing attorney XXXX XXXX presented a increased loan modification offer that I never applied for increasing the bogus principal balance to {$660000.00} with 2 % interest rate and a shady settlement releasing Ocwen from any liability. I declined the offer then dismissed the lawsuit without prejudice because of all the harassment and threats which was causing me uncontrollable XXXX attacks XXXX XXXX and more health troubles which my doctors will tell the Jury. I filed a Consumer Financial Protection Bureau complaint against Ocwen Loan Servicing. I am wonder if XXXX XXXX will respond to this consumer complaint and either confirm or deny ever sending an email to XXXX XXXX responding to my consumer complaint threatening that if XXXX XXXX files another Consumer Financial Protection Bureau complaint against Ocwen Loan Servicing that all settlement discussion are off the table. Please confirm or deny ever sending this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
A modification was requested in XX/XX/XXXX on this loan and was n't approved until XX/XX/XXXX. I made the trial payments and then nothing happened with my  modification packet. I never got anything to finish the process and I was told by Citi Mortgage that I needed to wait for the packet they were way behind ... To this day I have never received that original packet. In XX/XX/XXXX Citi tried to Foreclose on my property at the same time I tried to sell my home.. The foreclosure attorney found an unreleased deed of trust on my property that Citi failed to have released when they refinanced my home.. 
This stopped the foreclosure and it stopped me from being able to sell the home. 
I have tried from that point until today to get them to work with me.. The title is still not clear so I cant sell the property and they have a foreclosure sale date set for XX/XX/XXXX. I tried to work with them in hopes to do a short sale once I hire someone to clear the tile since they are not willing to clear it and they will not stop the sale. I have a XXXX husband and a XXXX XXXX old grandson that I need to relocate very fast if I cant get this sell stopped.

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 2017-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: OR

Complaint narrative:
Hello. I am submitting this complaint in order to help the CFPB identify a systemic problem with student loans. In this regard, the use of penalties by student loan companies are predatory and excessive. I recently had a student loan payment due on XX/XX/XXXX for the amount of {$200.00}. I fully admit I was late on this payment by a duration of approximately two hours. My loan servicor, XXXX, immediately penalized me for being late. I fully acknowledge the responsibility of paying my loans and the fines that may come with a late payment. However, the fine placed another {$200.00} which brought my actual payment to {$410.00}. This penalty, in my view, is completely excessive and obscene. It follows a disheartening trend of student loan companies taking advantage of young graduates and students who simply want to gain an education to better their lives and the world around them. Millenials on average have starting salaries 20 % lower than preceding generations, while saddled with more debt as well. This is a systemic issue. I understand if I get no reprieve from Nelnet over this. However, I would like the CFPB to at least investigate the extreme level of punishment that is levied on post-graduates such as myself, for being even an a couple hours late. There is no logical reasoning, for doubling my payment for paying my debt two hours past the deadline. I do what I can to make sure I can meet my financial  needs each month and this has put a serious strain on my ability to stay financially solvent as I prepare my budget for bills going into XX/XX/XXXX, when I will inevitably have to pay another {$200.00} payment on the XX/XX/XXXX. I hope you can look into this and ultimately resolve the issue of loan servicors preying on post-graduates such as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
XXXX XXXX submitted a complete modification package to Ocwen ON XXXX-2017. Ocwen is refusing to review his file .Our office called the Ombudsman  department and they refused to look into the matter .there is no tangible reason why OCWEN is not reviewing the file .They are refusing to give a qualified homeowner the opportunity to say his home .XXXX XXXX feels as if he is being discriminated against based on his race, ethnicity, and national origin .Ocwen is sitting on a complete loan modification package. There is no reason for this type of negligence. By unreasonably and unnecessarily delaying his modification request, he continues to get farther and farther behind on his mortgage payments. Practically speaking, it can only be inferred that Ocwen is pushing him farther into delinquency and foreclosure. By Ocwen refusing to consider XXXX XXXX requests in a timely manner, they are negating any opportunity for him to save the home. They are denying him the workout request based on inaccurate information and refusing to take remedial steps to provide a him with a solution. The events described above are just a sample of the practices that are taking place at Ocwen. Ocwen appears to be more interested in foreclosing on his home and fire selling it at auction to make a profit. It appears that XXXX lack of participation in a meaningful modification review of his file indicates a preference to profit directly from XXXX XXXX hardships. 
XXXX XXXX is demanding the Ocwen review his file or he will file a complaint in district court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I applied for the WF Cash Wise Credit Card and got approved on the same day. After 5 business days, I received the credit card and tried to activate it online but it will not let me so I called the number on the front of the card. I was told that that I had ti visit a branch in order to activate it. This was a surprise to me as I had never have to go to a bank branch to activate any credit card for the past 30+ years. I XXXX the WF credit card online and was surprised how many complaints this company had over this card. Anyway, I called up the next day, lunchtime, and spoke with XXXX, and asked her to close my account as I am not longer interested in using it. To my amazement, she told me that I am not able to close the card as I had to go to the branch to close it. I am fuming mad by this deceptiveness and want to file a complaint to this bank so that everyone can see what a big scam this is.

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 2017-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Turning Point Solutions LLC
State: CA

Complaint narrative:
Advanced Capital Solutions has called my cell phone repeatedly. When I have answered, I have told them the person they are looking for no longer has this number. When I have not answered, I have called back the number left in the voice mail and told them that the person they are trying to contact no longer has the number. 

This morning ( XX/XX/2017 at XXXX, pacific ) they called yet again. There had been a long break so I thought they might have actually listened to me.. Alas, they  have not. 

The number called from : XXXX. The message left was from " XXXX XXXX '' and the number in the voice mail was XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: MO

Complaint narrative:
Their customer service would not help and take care of the negative inquiries reporting to my credit report. I even sent a letter asking for removal. 

Inquiries for removal : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2017-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Zenith Financial Network Inc
State: GA

Complaint narrative:
They call from different numbers. I have spoken with several reps requesting they stop calling me but the calls will not stop. 

Numbers they call me from : XXXX Call List : XX/XX/XXXX @ XXXX XX/XX/XXXX @  XXXX XX/XX/XXXX @ XXXX # XXXX I delete the rest of my call history prior to making this report. The calls come every couple of days. 

The automated system states it is XXXX XXXX and she needs me to call her back @ XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: SLM CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email from Sallie Mae stating that my billing statement was available online. I clicked the link in the email to view my billing statement. The page that opened said " Bad Request. '' I tried again on XX/XX/XXXX and XX/XX/XXXX, with the same result. I can not access billing statements by logging into my account at www.salliemae.com. The only way to access billing statements and other correspondence with Sallie Mae is through the link in the email. With other lenders or servicers, I can access billing statements and other correspondence by logging into my account at their website, but the same is not true with Sallie Mae. It 's very frustrating.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation