vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Attempting to have loan refinanced. Servicer on current loan is Ocwen Loan Servicing. Ocwen refused to give payoff amount to new lender on XX/XX/XXXX.  Called customer service today, was put on hold, and then line disconnected. Called back and office was closed, holding me hostage to their interest rate so that they can make more money.

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 2019-01-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: GREAT LAKES
State: FL

Complaint narrative:
Had difficulty contacting student loan grantor to submit forbearance/deferment request and representative at my college institution was not properly assisting me in getting the forbearance/deferment request submitted. I initially tried to contact school and loan grantor to set up arrangement in XXXX  and did not manage to get forbearance/deferment completed, accepted Due to this the loan grantor reported on my credit that i was delinquent on each student loan debt as the full amount is currently broken up into parts on my credit report. The forbearance/deferment request was accepted and on my credit is says that i was late to make the payments however this was not due to my own negligence but rather was due to the loan grantor and school not assisting me in a timely manner to get the request processed. The amounts are XXXX and XXXX.per FCRA I should not be responsible for this loan. due to inaccurate information and a 3 party reporting to credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I have or had been with Wells Fargo since XX/XX/2006. This past year I had a few problems with my account. Everything was golden UNTIL I received a call from Wells Fargo saying that " due to a business decision '' they're terminating my relationship with me. I asked why they're terminating the and the only reply I received was " because the bank wants to. '' After researching online about Wells Fargo I've seen that Wells Fargo often closes consumer accounts for " business decisions. '' I've given literally tens of thousands of dollars to this bank and when you call them you're treated like the bad guy. The kicker of this all is that I didn't ask for any action to be taken. Wells Fargo decided to initiate the actions on the account. I called Wells Fargo last week because the claims department is still investigating past their 90 day limit and the representative said " the disclosure you signed says we can close your account whenever and wherever. '' Unprofessional, dishonest behavior from a major company.

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 2019-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was charged a late fee by Bank of America for paying the credit card late by just 2 days. Instead of XX/XX/18, I paid on XX/XX/XXXX and I am charged XXXX $ late fee and then purchase interest. I dont usually miss it. I call the customer care requesting to waive off and they say its not refundable. When every other bank can refund and show value to their customer, why cant BofA. They have the worst customer experience. Definitely horrible. Then I go to the base branch and the banker can not do anything about it either. Totally ridiculous.

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 2019-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I have previously disputed this debt via cfpb. Company responded XX/XX/18 that they would send a request to the original lender for accurate validation information. However midwest recovery have failed to provide such information violating FCRA. I have waited more than 30 days for them to furnish such information while they continuously illegally report the unvalidated information to the credit bureaus. I want said account removed or I will seek legal services. Do not attempt to call, email, or mail me any information. All correspondence will be via this website. If you can not upload documents to this website proving the debt is mine. Please remove from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Around in XX/XX/XXXX and XX/XX/2018. I called in regards to lower my monthly payments. I submitted my pay stub from XXXX XXXX and I made {$12000.00} this year. After I applied for the income driven repayment plan, they decieved me and said that i could qualify for $ XXXX/month for a year. They lowered my monthly bill but only to the point that it calculates out that i made {$22000.00} that year. I did not make {$22000.00} .... i made {$12000.00} as stated in the pay stub. This is unfair and it should be based on my real salary. Please help me fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: OR

Complaint narrative:
So i purchased a few things from XXXX useing gift card and debit card. I decided to get something else somewhere else so I return the items and when I return the items they put the full amount on my debit card. Which in XXXX policy is says when you use a gift card in combination with credit or debit card that it will all be refunded to your debit card. So NetSpend put a temporary hold on my card and requested for the receipts for proof that I purchase those items I have sent it to them and they still have not unlock my account. I called them and they hang up on me or put me on hold for several hours where I end up just hanging up they also claimed to only have received one of the receipts which I sent them a picture of both of the receipts so there's no possible way that they could have only received one it's just ridiculous and I'm not getting anywhere with them it's been several days

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 2019-01-01 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: CA

Complaint narrative:
experian will not remove the errors on my account they are derogotory i don't owe this money i called XXXX  they cant explain anything about my account because there is no record. experian has it down as four accounts owing {$1100.00} i called XXXX XXXX  they have me down owing XXXX not XXXX i called XXXX  coul not explain any account owing with my name, they need to remove this i have a new account with XXXX  they wouldn't of given me an account without paying the old one because i don't have a owing account closed for XXXX  equipment returned {$380.00} is wrong someone made a big mistake because of this i have been denied credit for four years. i have been so stressed out about this big error. I m trying to own the American Dream this mistake that experian is doing to me has ruined my name. please ask experian they have it wrong please remove i attempted to remove myself and experian wont do it they lied to me and i have been denied credit so many times i'm so stressed out my heart can't take it. my goal is to own the American Dream, i have been turned down so many times. i don't have dates of this error because there shouldnt be one.  Its ruin my life! please help me ask experian to remove. and i should be compensated for the errors they made im depressed they turned my life upside down. my name is ruined because of this. thank you.

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 2019-01-01 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: Ocwen Financial Corporation
State: PA

Complaint narrative:
I sold my home and the mortgage was with Ocwen Loan Services. The account is listed on my credit report as being late, when the home was sold and Ocwen was paid in full. I tried to work with Ocwen to get the matter resolved but had no luck. Can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 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: CA

Complaint narrative:
XXXX will not remove the errors on my account they are derogotory i don't owe this money i called XXXX  they cant explain anything about my account because there is no record. XXXX  has it down as four accounts owing {$1100.00} i called XXXX XXXX they have me down owing XXXX not XXXX i called XXXX  coul not explain any account owing with my name, they need to remove this i have a new account with att they wouldn't of given me an account without paying the old one because i don't have a owing account closed for XXXX equipment returned {$380.00} is wrong someone made a big mistake because of this i have been denied credit for four years. i have been so stressed out about this big error. I m trying to own the American Dream this mistake that XXXX  is doing to me has ruined my name. please ask XXXX  they have it wrong please remove i attempted to remove myself and XXXX  wont do it they lied to me and i have been denied credit so many times i'm so stressed out my heart can't take it. my goal is to own the American Dream, i have been turned down so many times. i don't have dates of this error because there shouldnt be one.  Its ruin my life! please help me ask XXXX to remove. and i should be compensated for the errors they made im depressed they turned my life upside down. my name is ruined because of this. thank you.

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 2019-01-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX will not remove the errors on my account they are derogotory i don't owe this money i called XXXX  they cant explain anything about my account because there is no record. XXXX  has it down as four accounts owing {$1100.00} i called XXXX XXXX they have me down owing XXXX not XXXX i called XXXX  coul not explain any account owing with my name, they need to remove this i have a new account with XXXX  they wouldn't of given me an account without paying the old one because i don't have a owing account closed for XXXX  equipment returned {$380.00} is wrong someone made a big mistake because of this i have been denied credit for four years. i have been so stressed out about this big error. I m trying to own the American Dream this mistake that XXXX  is doing to me has ruined my name. please ask XXXX  they have it wrong please remove i attempted to remove myself and XXXX wont do it they lied to me and i have been denied credit so many times i'm so stressed out my heart can't take it. my goal is to own the American Dream, i have been turned down so many times. i don't have dates of this error because there shouldnt be one. Its ruin my life! please help me ask XXXX  to remove. and i should be compensated for the errors they made im depressed they turned my life upside down. my name is ruined because of this. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 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: PA

Complaint narrative:
I sold my home and the mortgage was with XXXX XXXX XXXX. The account is listed on my credit report as being late, when the home was sold and XXXX was paid in full. I tried to work with XXXX to get the matter resolved but had no luck. Can you please help.

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 2019-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc.
State: ME

Complaint narrative:
Approximately two weeks ago I attempted to reactivate my account with a money transfer company called Remitly. I had sent perhaps {$12000.00} or more to a friend in the XXXX during the previous year to year and a half with no problems. Circumstances reached a point where I was unable to continue sending funds. At a certain point I received an e-mail indicating that my account was closed to inactivity which I understand perfectly. Circumstances have since changed I wished to resume sending funds to my friend. I called the company as instructed on their website where a representative told me that my account was permanently suspended due to my having broken the rules of service and other suspicious activity. At no time did I engage in any activity that would break any rules. I simply sent funds by charging my credit card and paid the fee to Remitly as needed. All transactions were approved and fulfilled with all fees paid. Funds were sent from my personal credit card to a legitimate XXXX bank. There were no actions that were suspicious or against rules. I am very upset that my legitimate transactions should be described as suspicious and breaking the rules which clearly presume that my transactions are illicit or illegal. I have never engaged in any illegal activities in the past or present nor do I ever intend to. I have sent two requests via the Remitly website describing the problem and requesting informal resolution with no response. I request that my name be cleared of these false charges and my account be reactivated at which time I will decide whether to continue using the account or close it at my request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Previous attempts ( complaints ) to remedy the situation have not been addressed. Simply sending me the terms of my lease agreement does not answer the question as to why I was reported late XX/XX/XXXX and XX/XX/XXXX due to well known errors and deficiencies and the GM financial website. The GM financial website Displayed a XXXX  balance owed in XX/XX/XXXX. Based on this information no payment was made. The XX/XX/XXXX payment was made a few days late which caused a 30 day late assessment. This again occurred for XX/XX/XXXX causing a cascade effect. The fact that GM financial uses this website to except payments should imply implicitly that the information displayed on the website is correct. It was not. The website has been updated and corrected which now shows the correct payment amount. This in itself, clearly implies that GM financial was well aware of the problem. I would like the XX/XX/XXXX and XX/XX/XXXX late payment reports made to the credit bureaus reversed. I am guessing there are thousands of other customers who experienced the same problem which has other implications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Honda finance used car : XX/XX/2018, $ XXXX.XX/XX/2018 {$1200.00}, XX/XX/2018 {$1200.00} XX/XX/2018 {$1200.00} ... i have spoke to American Honda finance on XX/XX/2018 and advised them that iam unable to make monthly payment on time as agreed because of iam unable to work as iam very ill from the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 and that I need an goodwill of being late with this account there said I'll notated the account and a goodwill attempt will be made on my behalf I have spoken to honda finance on XX/XX/XXXX and there are not helpful resolved this problem regarding that iam still making payment on this account please help me remove late payment from American Honda

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have been getting surprise late fee charges from Ally Financial. When I called to get an explanation for the late charges I was told to " look it up yourself '' by the representative. I was asked do I need to get an attorney to find out why I was charges late fees. Soon thereafter I got a letter from Ally goading me to get an attorney to find out why I was charged late fees. 

As of this time Ally has closed my account and removed my access to my monthly payment records. Not only does this deny me access to payment records to independently verify payment information but I no longer have access to my tax records or the ability to make payments. Please demand these records by made available to me. 

We have received Ally records which indicate that at least one late charge should not have been made, So I have at least one incorrect late charge but in order to fix it I have to pay hundreds of dollars to correct it. 

Furthermore I have not received my billing statement for XX/XX/XXXX that shows how much is due and how my XX/XX/XXXX payment was applied. 

Please demand the restoration of my online access to monthly records, demand a complete record of how and when late payments occurred. The shutting down of web access to my monthly statements is just a cover up for the fraudulent late fees being charged by the bank.

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 2019-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Four times this year, someone has been able to access my credit card account and change my address to get another credit card and 1 time in XXXX that tried to use it to get {$250.00} if the card. Even though I have a freeze on my account, and they are suppose to send a code to my phone to make any changes. 3 times it was for an address in XXXX and 1 time it was for an address in XXXX, XXXX, which I haven't lived in XXXX, XXXX in almost 9 years. I just found out on XX/XX/2018, that someone tried to get another card from my account, even thought I have a fraud alert and I froze my account. Everytime this happens it lowers my credit score. I have a XXXX credit score and I'm trying to buy a house. I don't want to close this account as it will lower my score even more. I have 7 credit cards and this is the only one that keeps getting hacked. I'm thinking now that it is an inside job. No matter how my alerts or freezes I put on this account, even changing the name to my married name, someone is still able to access this account. They have sent me 4 new cards and it hasn't done any good. I WANT THIS TO STOP. I'm going to pay this account off and never use this account again. I shouldn't have to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I currently have issue XXXX open but the creditor is refusing to delete the fraudulent HARD INQUIRY done by whomever opened the account. It has already been determined the account was opened fraudulently and that all items should be deleted per XXXX. Equifax continues to advise that the inquiry is valid and in fact it is NOT. Obviously if the account isn't mine, I didn't apply for it so all pieces need to be removed from my credit report. 

I had opened an online dispute with them, confirmation XXXX, to have this inquiry removed and they closed it in less than a week saying it was valid. This is the 5th time I have disputed this since XX/XX/2018. It needs to be resolved ASAP before legal action is taken.

Company response to consumer: Closed with explanation