vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
I was placed on  XXXX  leav e in 2016. Asked for a modification Packet from Ocwen. Completed the packet in its entirety. Certified the packet back to Ocwen. They  would not contact us, respond to emails, phone calls or certified letters.   2 months later they sent us a notice to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
M & T Bank used overdraft link to credit card for two debit card transactions (  XX/XX/XXXX  and  XX/XX/XXXX  ) that were placed on hold and never processed as complete. The account was never at a negative balance, but transfers and fees occurred. As a result, we were charged fees for the utilization of linked OD protection on our credit card. Even though the on hold items never processed, when the holds dropped, the OD charges to the card ( and associated fees ) did not. They should have been reversed when the debit holds dropped and this is a clear violation of UDAAP.

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 2017-06-05 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: IL

Complaint narrative:
Accounts were opened fraudulently. The following accounts still remain on   XXXX   & Transunion.   XXXX   XXXX   XXXX  , opened  XX/XX/XXXX &   XXXX   XXXX   XXXX   {$590.00}, opened  XX/XX/XXXX . The exact same accounts was on  XXXX  however   XXXX   was able to remove the accounts. All   XXXX   bureaus were sent the exact same information to fix the dispute.

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 2017-06-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: DC

Complaint narrative:
I executed a lease transfer agreement with Mercedes-Benz Financial Services ( MBFS ), which finalized on   XXXX   XXXX   XXXX  . MBFS managed the process by which I took over ( assumed ) an existing lease.
<P/>
MBFS transfer requirements included advance payment of one month lease plus a transfer fee.
Both there payments were submitted, and were accepted and processed by MBFS. I have been making regular lease payments on the   XXXX   of each month beginning with the   XXXX   payment, and seeing a subsequent {$0.00} balance.
<P/>
Sometime following my payment on  XX/XX/XXXX  ( and showing a {$0.00} balance ), I received a call from MBFS collections department stating I was in arrears. ( The amount deemed late was equal to exactly 1 month payment plus the transfer fee amount of {$610.00} ). I called MBFS and was told that on @  XX/XX/XXXX  " someone '' had " removed '' those two payments from my account. The representative stated that he did n't know why and would start an inquiry and that I would be contacted in 2 business days.
<P/>
6 phone calls later by me trying to fix this, and incessant robo-calls from MBFS collections over two weeks, has me getting nowhere but very frustrated. On my last call of  XX/XX/XXXX , the reps were unable to connect me to a supervisor as I requested. I give up.
<P/>
The ground level employees answering the phone are cordial and seem genuinely interested in providing assistance, but it only results in my hearing about the limitations of one department and how it 's the responsibility of another department and enduring multiple transfers and long hold times, only to start over explaining the issue. I 've spoken with 3 or 4 departments all to no avail.
<P/>
This is disjointed and represents an unreasonable burden on a faithfully paying customer. I 'm sorely disappointed in MBFS and their lack of supervision and oversight.
<P/>
I 'm requesting assistance in having this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I recently reviewed my bank statements,. I noticed that the Wells Fargo bank had been charging my accounts {$2.00} per non Wells Fargo ATM transactions plus an additional {$2.00} from the merchants ATM. Which resulted in a insufficient fund balance to my accounts. Since then the Bank has returned {$49.00} dollars and a additional {$90.00} dollars credit. The balance owed is {$390.00} dollars. The estimated amount was calculated from  XX/XX/XXXX  through  XX/XX/XXXX  ... .. On  XX/XX/XXXX  I returned to the bank to discuss the remaining balance with the branch manager located at the   XXXX   XXXX   location. The manager stated that there nothing else that he could do and that he did n't understand why the customer service return those additional funds. I explained to the manager that none of my paperwork stated additional funds would be withdrawn. I am seeking all of my funds be returned to my account immediately. Thank for your time account #  XXXX  routing number/ # account  XXXX / debit card  XXXX  Name on the account   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 2017-06-05 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: NY

Complaint narrative:
I have been disputing an account that is reporting on my transunion credit report. ( XXXX XXXX XXXX ). The creditor has agreed to remove and delete this off my report. XXXX has finally deleted the information however transunion is still reporting it. I had to call 3 different phone numbers today to finally get to speak to someone about this problem. I was told I need to supply further supporting documentation. I explained that I spoke with corporate office for XXXX XXXX XXXX and it has been agreed that they will remove this off my credit reports. I explained to transunion today X/X/17 that I spoke with XXXX XXXX XXXX approx 2 months ago ( I do not have the name of the person I spoke with over at corportate ). Transunion said they will re-dispute this information and I will have to wait 30 days for a response. According to XXXX XXXX my score has dropped XXXX points today. I asked the rep at transunion why such a huge drop I was unable to receive an answer. My debt has gone down on my bills and there should be no more inquires so I do not understand as to why the drop in score. XXXX XXXX XXXX does not belong reporting on my credit report. Having this information still reporting is affecting my credit score in a negative way. I also explained the according to XXXX XXXX there has been an account that has been sent for collection which should not be that information is wrong as well. I am submitting this complaint because I have been disputing this information for quiet some time now and getting nowhere.

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 2017-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I had a  XXXX   XXXX   XXXX  credit card and used it twice for my own purchases and paid them off. Then a person I was living with stole my card and charged over {$500.00}. I tried contacting  XXXX   XXXX   XXXX  to dispute the charges but they said that they would not because there is no way that someone else used my card. I told them that I refuse to pay a debt that is not mine but they persisted and then after not receiving money for a year they sent it over to collections. I am just now finding out that I can dispute the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I had a store credit card with Sears ( CitiBank ). I paid my card off in full. The payment of XXXX cleared my bank on XXXX XXXX, 2017. I then received a bill for the XX/XX/XXXX billing cycle with a late fee of {$27.00}. I called the number on the bill and spoke to XXXX about why I had a late fee on my bill when I paid my bill off in full. She said it processed after the cut off date. I disagreed and told her it had cleared my bank and I was not certain why it had not processed sooner. She agreed to give me a credit on the late fee. I did receive the credit and received a XXXX balance bill for the XX/XX/XXXX billing cycle. Then I started receiving calls from Sears ( Citi Bank Collections ) for {$54.00}. I called and asked them what it was for and they told me I had n't paid my {$27.00} and charged me an additional {$27.00} late fee. I explained to them that I did n't have a late fee or owe the {$27.00} and in fact I had a {$0.00} balance bill in front of me. He basically told me I was lying and transferred me without an introduction to someone else who again told me I owed them {$54.00} in late fees. Finally after talking to the 3rd person she realized that I had two account numbers, and that when they sent me my new card and I activated it they did not transfer the {$0.00} balance over.she then sent me back to customer service so they could resolve the issue. On XX/XX/XXXX I spoke to XXXX and he said they had credited my account and I only owed my current balance on XXXX XXXX 2017 of XXXX. You can imagine my surprise when my husband called me on Sunday at work and told me Sears ( Citi Bank ) had called again. They also called me this morning about my {$54.00} late payment. I once again told them that I did n't owe the money and they should check both account numbers. The person I talked to today said oh I see your other account has a negative balance for {$27.00}. But his current account shows past due. He could not fix it and said he would put me on hold and try to get someone to fix it. So after another hour of dealing with these people, I was told someone would fix it and they hung up the phone. I also told them they should make sure that they did not report this to the credit bureau. They were unable to assure me that they did not but did n't think they did.

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 2017-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Bessemer, Inc
State: AL

Complaint narrative:
I have never had business dealings with credit bureau of bessemer.they have numerous of accounts on my credit report..i have disputed with the credit bureau but have came back verified

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: LA

Complaint narrative:
I have been the victim of ongoing and troubling ID THEFT. I have several incorrect items reporting on my Equifax credit report. My address needs to be corrected as well as the fraud items need to be removed. Police report on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05 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: Westlake Services, LLC
State: NV

Complaint narrative:
To whom it may concern, I am filing a complaint. I am not sure if I am doing this correctly.. the company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX The Complaint is : this lender has placed this loan on my credit report twice, we have called them more than once to have this issue fixed. The last call was todayXX/XX/XXXX I spoke with XXXX, and he yelled at me, and would not address the issue. I told him the situation, and he hung up on me. Below you will see how it appears on my credit report. Two different accounts, same everything. I would really appreciate your help. I purchased a vehicle from a car dealer, the car turned out to be a lemon and broke down within 1-2 weeks, we were promised repairs or exchange of vehicle. Never happened. We contacted XXXX XXXX, XXXX to inform them we would be turning in the vehicle and not paying the loan. XXXX XXXX told us this would be placed on our credit as " voluntary repossession '' which never happened. XXXX Closed ACCOUNT DETAILS Account Name XXXX XXXX XXXX Account # XXXX Account Status Closed Last UpdatedXX/XX/XXXXAccount Type Auto Loan Date Opened XX/XX/XXXXBalance {$4700.00} Original Balance {$5500.00} Past Due Amount {$4700.00} Payment Status Charge-off -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX Closed ACCOUNT DETAILS Account Name XXXX XXXX XXXX Account # XXXX Account Status Closed Last UpdatedXX/XX/XXXXAccount Type Auto Loan Date Opened XX/XX/XXXXBalance {$4700.00} Original Balance {$5500.00} Past Due Amount {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MD  XXXX   XXXX   XXXX ,   XXXX   Credit Bureaus (  XXXX / XXXX /  XXXX   ) To whom it may concern : I sent a certify letter back in  XXXX  of   XXXX   requesting documentation for the following late payments listed below that are reflecting incorrect data. This is my third attempt to rectify this issue. Please re - investigate and make the necessary adjustments to my credit file.  <P/>  Navy Federal (  Signature Loan )  XXXX  Verification of 13 late payment on :  XXXX   XX/XX/XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX ,  XXXX ,  XXXX , XX/XX/XXXX ,  XXXX ,  XXXX   Navy Federal   (  Auto Loan  )   XXXX  Verification of  19  late payment on :  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX   XX/XX/XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   Navy Federal  (  XXXX  )  XXXX  Verification for  7  late payment on :  XXXX ,  XXXX ,  XX/XX/XXXX   XXXX ,  XXXX  XX/XX/XXXX  Navy Federal   (   XXXX   )   XXXX  Verification for 7 late payment on : XX/XX/XXXX ,  XXXX ,  XXXX ,  XXXX  XX/XX/XXXX  Thank you  XXXX   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 2017-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I am appalled after checking my credit report and seeing this account in collections. I have been fighting this debt for over a year. After receiving notification from a previous debt collector of this pursuit being closed, I can not believe that yet again another collection agency is attepting to this collect that is not owed. If this debt can not be validated and a signed agreement sent then this collection needs to be removed from all credit reports. It is negatively effecting my borrowing potential and it is an unlawful practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I found this on my credit report. I have received phone calls in regards to this account however I they have not given me any information either by phone or in writing in regards to the money they are requesting.   PORTFOLIO RECOVERY Opened  XXXX   XXXX ,    2016  {$1800.00} That is all the information I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST
State: WA

Complaint narrative:
I have requested on 3 separate occasion for Bank of The West to simply send the Title for my vehicle to the Washington DMV. On all 3 occasions, I was informed they had received it and were processing it. I call back to check on the status and they then say they have no record of my request.
As such, I purchased my Vehicle In XX/XX/XXXX and have been unable to drive my vehicle for 2 months because of their ineptitude in processing a simple request for title.

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 2017-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
There has been numerous times that my wife and I have both received notification that we were either approved denied a Chas e Amazon.com Vis   XXXX  CC over the past year or so.  <P/> We notified the company many months ago and this has occurred more times including as last as   XXXX   XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I received a promotional solicitation on the  American Express appli cation offering me {$100.00} credit voucher if I made a {$600.00} or more reservation using t he American Express trav el application. I selected the offer & proceeded to make a a {$660.00} hotel reservation  on  XX/XX/XXXX  t hrough  AMEX travel through my American Express app. This is on my American Express bill for  XX/XX/XXXX . Having been more than 30 days I called to check on the status and was told that no such offer existed. After challe nging this I was told the offer existed but I did not enroll. After challenging this further I was transferred to multiple individuals including  XXXX ,  XXXX   XXXX  and  XXXX . Several claim to be supervisors although none ended up being. All of the individuals claim to be able to do nothing. Finally after  two hours and  repeated phone calls the last representative I spoke to a tend a reference ticket  XXXX . So far they have refused to acknowledge this bait and switch or the fraudulent activity on their part. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I had a Victoria 's Secret credit card and used it twice for my own purchases and paid them off. Then a person I was living with stole my card and charged over {$500.00}. I tried contacting Victoria 's Secret to dispute the charges but they said that they would not because there is no way that someone else used my card. I told them that I refuse to pay a debt that is not mine but they persisted and then after not receiving money for a year they sent it over to collections. I am just now finding out that I can dispute the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: MD

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MD  XXXX   XX/XX/XXXX    Credit Bureaus (  XXXX /Transunion/  XXXX   ) To whom it  may  concern : I sent a certify letter back in  XXXX  of   XXXX   requesting documentation for the following late payments listed below that are reflecting incorrect data. This is my third attempt to rectify this issue. Please re - investigate and make the necessary adjustments to my credit file.  <P/>  XXXX   XXXX   (  Signature Loan )  XXXX  Verification of  13  late payment on :  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX , XX/XX/XXXX ,  XXXX ,  XXXX   XXXX   XXXX   (  Auto Loan  )   XXXX  Verification o f 19 l ate payment on :  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  XX/XX/XXXX ,  XXXX ,  XXXX , XX/XX/XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX   (   XXXX  )  XXXX  Verification for 7 late payment on :  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX  (  XXXX   )   XXXX  Verification for 7 late payment on :  XXXX ,  XXXX ,  XXXX , XX/XX/XXXX  XXXX , Thank you  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