vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I am in danger of losing my house at foreclosure sale because my lender Ocwen has been switching us from one department to another, losing my paperwork and misleading me.  I am behind on my mortgage, but our situation has stabilized and we now clearly make enough money to afford a fair mortgage payment. I was told by the Ocwen agents (when I could understand their XXXX) that I clearly qualified for modification help.  But after nearly 3 years of trying to get reviewed and mailing in full packages to them on multiple occasions I am now facing a XX/XX/XXXX sale date.  This property has been in my family for XXXX years, and I can not let it be foreclosed on!!

I refinanced several years ago and found out later that this adjustable rate loan that was sold as the best deal has a rate and payment that goes up constantly.  My interest rate is currently at 6.625% and will soon be at 7.25%.  I worked as a XXXX for over 25 years but began XXXX and was soon on a fixed income.  The problem was that my mortgage payment was going up as well as the cost of living etc.  I began struggling with the monthly mortgage payment and contacted Ocwen and was told that I could apply for help I just needed to fill out some paperwork and send in my financial information.  After the documents were received I was told by the agents at Ocwen that I definitely qualified for help, with my fixed income and my wife's employment with the XXXX we fit into guidelines.  However, we then went through two plus years of back and forth with Ocwen. We were never able to speak to the same person twice; there was not a single point of contact, and when we did get someone on the phone we usually could not understand them because they were working at a call center overseas.  A few months ago we were told that we were being denied for any type of help and that we needed to sell or move out of our house.

I am not shocked that this has occurred, because I have read that Ocwen has a history of misleading and lying to homeowners in foreclosure and in fact they were fined XXXX by the US government for these actions.  I am here to tell you that this is still a problem.  I want to save my home.  I have researched the guidelines for the government modification programs and I am sure that we qualify, the problem is that Ocwen has not conducted an accurate or timely review (if they ever conducted a review at all) of our current financial circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit
State: FL

Complaint narrative:
My complaint is against VW Credit. I opened a loan at a VW dealer with them on XX/XX/XXXX. The dealer is another story which has to do with the finance department whose best practices are terrible. They did not even go over the paperwork with me which is why i got, excuse me, screwed. If you think that would be a good complaint, then please let me know. But for now, lets just take VW Credit. I worked in the computer banking service bureau environment for over 25 years starting in the late XX/XX/XXXX, so i know all about banking which includes credit bureau reporting. I worked with XXXX and XXXX in the dark ages and know how reporting is supposed to be done. The credit bureau reporting of VW Credit is horrible. It is not consistent ( monthly ) reporting and some fields are inaccurate and field accuracy is different between what they report to XXXX and XXXX. A big problem has been that they keep reporting my monthly payment wrong and also the date of last payment, and did i mention they have sporadic updates? yes i know i did. I have a very good credit rating ( high XXXX ) and have made a couple of bad financial decisions and under normal circumstances, i would not even report this, but these people need some talkin ' to about their procedures. Their monthly statements do not even have a stmt date on them! As for the monthly payment, originally it was {$320.00}, but when i decided they screwed me on the Extended Warranty and Gap insurance ( this was a 3 year lease that came back that i bought ), that was taken off and it went to {$270.00} and every since it has been reported wrong. It is all wrong and i have the copies of the credit reports to prove it. Like I said, this has been exasperating to me. I am at the point where they told me now I have to send them a letter to be sent to the upper management. A special letter. This was after XXXX or XXXX attempts to have them correct their procedures. I also must say that this has made me go to a credit union and I am in the process of taking the loan away from this probably by next week. I talked to a CFPB agent and she told me that would not matter. This is a HUGE lending company and they are so far out of compliance it is not funny. So I will follow what i am supposed to do next to provide the documentation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: FL

Complaint narrative:
ERC ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ERC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ERC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: DC

Complaint narrative:
Hi - I would like to add a person to my deed for the condo I own. I called Roundpoint mortgage XXXX times, wrote them XXXX letters, and they refuse to tell me. I would like to know if I add a person to deed, how does that effect the terms of my mortgage. After XXXX calls, they said XXXX owned the loan. After calling XXXX XXXX times, they said they are only the guarantor of the loan, not the owner. They said Roundpoint mortgage has a responsibility to tell me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
1. 
Money transfers to the XXXX of XXXX has only XXXX option for collecting - XXXX $ $ $ currency only. 
2. 
The rate of exchange has been discounted therefore the recipients are not receiving the correct amount in local cureency based on the current exchange rate3. 
Western union is collecting earned income based on gain received from the discounted rate paid to recipients vs. exchange rates set by XXXX XXXX XXXX4. 
western Union charges a fee for each transfers in addition to discounting the exchange rate. 
5. 
Case in point : Today XX/XX/2015, Western Union rate of exchange for transfers sent to XXXX from local outlets ( In Person ) is XXXX {$110.00} to XXXX vs. rate set by the XXXX XXXX XXXX - XXXX {$110.00}. Hence a gain of XXXX {$4.00} 0n each US $ sent.In addition to the base fee of US {$9.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo closed my checking account. They did not give me a reason why. At this point, I am only interested in when they will be returning my {$500.00}. They have had the money frozen for over two weeks and the account is now closed with a XXXX balance.

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 2017-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My mortgage and bank are both Wells Fargo. Every two weeks, they automatically reach into my main account and pull half the payment for the mortgage. This is fine. I also pay extra. Sometimes every week, sometimes not. It varies how much I can pay. Recently, it 's been {$100.00} dollars every week with billpay that goes to the mortgage. Most of the time it is applied to the principle, that I can tell. I had some extra money that I chose to pay into mortgage, {$1000.00} dollars. When I transferred it, the money just sat in the mortgage account, but not applied to the principle. About a week later I called them to ask why. They said that it went into a " suspense '' account because it was n't enough for whole payment. But, they already have whole payments when they pull them out. This was supposed to go to principle. They said they would shift it around, but they did n't do it right. Several hundred dollars off of that XXXX did n't make it into the principle. I called a few days later, and they said they would try everything again. 

I requested an audit on my mortgage from the beginning of the loan, 4 and a half years, to verify that all payments are going where they are supposed to go. They wo n't do that. They only say that they have now " re-coded '' my loan so that any future extra payments will now go to the principle. They 've been taking their share automatically since the beginning of the mortgage. Why was n't it " coded '' that way from the beginning. 

I suspect that WFB has been cheating me from the beginning.

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 2017-01-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
i had a XXXX account with Wells Fargo thru my employer, XXXX that i was not able to transfer until i turned XXXX or until i had not been with the employer for 5 years. 
Upon turning XXXX on XX/XX/XXXX2017, i called and aske to have the funds rolled over to my bank, XXXX.I asked to have the funds wired directly but they told me they could not do that and i had to wait for a check.I reluctantly agreed. 
The funds were to be sent directly to my bank.I got a letter at my home on the XXXX saying the funds were sent.When nothing was received at my bank by the XXXX, my bank and i conference called Wells Fargo and asked where the funds were.They informed me that a check was sent on XX/XX/XXXX to my bank.We told them that the letter never arrived.They said i had to wait until Friday to do a stop payment on the check and have the funds resent.I called them today, friday XX/XX/XXXX and asked to have the funds resent.They insisted they wanted to mail the funds and i requested they be wired and they said no. 
i then asked to have the money overnighted and they would not do that. 
i rwquested a supervisor and that person agreed to overnight the funds after the stop payment was processed which would be Tuesday. 
Meanwhile i have not had benefit of use of these funds for all that time. 
i really believe that the check was never mailed and this is just a delaying tactic for the bank to hold onto this money as long as they can. 
The amount was not enormous,XXXX, but not insignificant to me. 
have you had other complaints about Wells Fargo using this stall/delay tactic to hold onto the money of customers trying to withdraw IRA or other funds from this institution? 
if so, i want to add my name to the list of people that are unhappy about this situation. 
Why is it that bank want to do everything electronically, including cashing my checks and immediately transferring funds out of my checking account, yet when it comes time for me to get money from my account i have to wait for the Postal System to deliver My funds and then suspiciously, the funds do not arrive??? 
This is completely unfair to the consumer. 
I do Not trust Wells Fargo regarding anything they do any more. 

Also, i feel it is unfair if a Company terminates my employment to have a regulation saying that matching funds can not be withdrawn from an IRA account until i am XXXX or 5 years from Termination.If i quit the company, i canunderstand this rule, but if i am let go, this conditon should be waived or not apply.I have waited two and a half years to access these funds and i still do not have them. 

Not happy!!

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 2015-04-08 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am hoping that someone can bring resolution to my ongoing issue with my credit card company. I have a credit card through Capital One for over XXXX years now and despite numerous attempts to obtain a lower interest rate of 19.8 %, I was advised that they do not a reduced interest option for repayment. I spoke with a representative yesterday about being put on a payment plan to pay the card off and she advised me that Capital One does not offer this option and the rate stays the same as when the card was opened. Of a minimum payment of $ XXXX monthly, XXXX has been going to finance charges. I am wanting to pay the card off and hope that this bureau can help bring me some resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Since the XX/XX/2017 they have called me 49 time. Most are 3 or more times a day. They stopped sending me paper statements and have tried to get online to pay but have been unable to figure it out. I have talked to the company several time and they have yet to send me a bill in the mail.

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 2015-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Conn's, Inc.
State: TX

Complaint narrative:
Please see complaint nos. XXXX, XXXX and XXXX. THIS IS NOT MY DEBT. CONN'S HAS KNOWN IT IS NOT MY DEBT FOR OVER A YEAR YET CONTINUES TO TRY AND ILLEGALLY COLLECT ON IT. THEY SAY THEY CAN'T FIND AN ACCOUNT ON ME. IF THEY WOULD ACTUALLY LOOK AT THE DOCUMENTS I HAVE PROVIDED MORE THAN ONCE, THEY WOULD SEE THAT THEY JUST RECENTLY RESOLD THIS DEBT ONCE AGAIN TO ONE OF THEIR MANY COLLECTION AGENCIES - WHICH WAS ILLEGAL BECAUSE 1) THE FIRST COLLECTION AGENCY THEY SOLD IT TO WAS UNABLE TO VALIDATE THE DEBT AND REMOVED IT FROM MY CREDIT LISTINGS OVER A YEAR AGO; AND 2) THEY RESOLD THE INVALIDATED DEBT TO ANOTHER DEBT COLLECTOR AFTER BEING PUT ON WRITTEN NOTICE THAT ALL COLLECTION ACTIVITY MUST CEASE UNDER FEDERAL LAW UNTIL THE ACCOUNT HAS BEEN VALIDATED. THEY ARE BREAKING THE LAW AND VIOLATING MY RIGHTS. I DEMAND THAT SOMETHING BE DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Phone call was made for XXXX XXXX at XXXX XXXX time from XXXX . I do not know XXXX XXXX. Phone number XXXX extension XXXX claimed by representative XXXX XXXX ( woman ). Company MCM or Midland Credit Management. I also Spoke with XXXX XXXX ( man ). He claims the address is XXXX XXXX XXXX. I am on national do not call list. This is a repeat offense from this company. This and many other companies have been warned not to call and they still repeat their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
American express serve card purchased for XXXX in cash from XXXX with friend. I spent roughly XXXX on XXXX purchases. Needed some cash back so i had to send additional info in for atm use. Social security number was entered in wrong to begin with. They canceled card and refuse to refund the other XXXX The card was lost or stolen the next day. It's been roughly 3 weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Our home is in a flood zone so flood insurance is required. We changed policies and sent the new XXXX to XXXX which is Seterus 's insurance agency. They have repeatedly sent more letters, yet we have sent a hard copy via the USPS, and have FAXed the XXXX page twice. Once on XX/XX/XXXX, and again on XX/XX/XXXX. We phoned their calling center, ( the only contact number they give ) and they have no clue why they are unable to record this info.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
I 'm receiving letters from Pressler and Pressler claiming to represent XXXX XXXX XXXX services. They claim that it 's a subpoena and ordering me to state my finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I am concerned about XXXX accounts which I have been disputing for several months now. They are appearing on my Equifax report and have not had any activity since XXXX of 2008 and Equifax has continued to keep reporting it after I have asked them to delete them from my file as they are not allowed to report past 7 years of the date of the last activity. The accounts are listed as 1 ) XXXX XXXX XXXX # XXXX ; 2 ) XXXX XXXX ; 3 ) XXXX XXXX XXXX # XXXX 4 ) XXXX XXXX XXXX XXXX XXXX # XXXX these XXXX accounts received their last payments in the XXXX of 2008. That is when I defaulted after I lost my job and had no money to make any payments. I have never made a payment or had any activity since about XXXX of 2008. These accounts are very old and I hope that they will just delete them already. I have fought them over and over again on the accuracy of these dates and the furnishers can not help me, they say, because they can not pull any records. So how did Equifax verify these dates? They need to know that it is not right to report items past the statue of limitation, which I was told by XXXX that that is XXXX years. Please, can the CFPB ask Equifax to investigate these again or delete them? I need to start my life over again already and this is holding me back and making me very very depressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
So I got a loan modification and XXXX from XXXX help me to do it it took a year to get my loan modification done I did n't miss a payment or was I late so tired of Rushmore so XXXX called me from Rushmore today to have me send more papers to them that me and XXXX have sent to them when my modification was done we talked to a manager and they said they had very thing they needed now they want more paper work from me that have already have sent to them when I made my last complaint and I sent out the papers work out again to day XX/XX/2017 I do n't know if I will ever get my statement from Rushmore my loan # is XXXX thank u so much XXXX someone need to fire a lot of people at Rushmore the customer service reps will not let u talk to a manager and if they do they put u on hold and then hang up on you and when u call back they do the same thing so please help if u can

Company response to consumer: Closed with explanation