vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am a victim of hurricane Irma, and was made aware that mortgage lenders will grant a three month forbearance and place the three months of mortgage payments at the back of the loan. At first, I thought this was a great way to help homeowner 's out during these tough times post IRMA. My mortgage is $ XXXX. When I called OCWEN LOAN SERVICING, they informed me that they would give me a three month forbearance HOWEVER, at the end of the three months, I will have to payback the total FOREBEARANCE amount over a six month period. So, instead of my monthly payment resuming at $ XXXX, my mortgage payment would be $ XXXX for six months. In other words, they help you out of one CRISIS just to put you into ANOTHER CRISIS. PLEASE STOP OCWEN FOR USING THIS PRACTICE. They are hurting homeowner 's that have been devastated by a natural disaster. Ocwen should be fined for using such a policy and ordered to change their practices and policies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Reward dollars were available when TD Bank cancelled the card for inactivity. I called customer service numerous times to initiate a change of address, with no success. I also called customer service, both the credit card service and the rewards service, several times to have my rewards ( {$110.00} XXXX transferred to my brokerage account where they would receive an additional XXXX % bonus totalling XXXX {$120.00} XXXX. Although I received an email ( attached XXXX indicating this had been done, the funds never showed up in my XXXX XXXX brokerage account. I have written to TD Bank headquarters about this matter but have never received any reply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My husband passed away on XXXX XXXX XXXX. He was on Social security XXXX and XXXX from former employer XXXX XXXX since XXXX XXXX and in a wheelchair. I am XXXX years old and am on social security. We have separate bank accounts at Chase bank. He did not use my account to pay bills. On XXXX XXXX I discovered that a levy had been put on my account by XXXX XXXX XXXX for a debt that my husband had in XXXX which I had no knowledge of until my husband XXXX. Judgement was put on XXXX by XXXX XXXX XXXX. Can they levy my account when it is not my debt and my name is not on the account. I contacted the XXXX XXXX XXXX to ask why they put a levy on my account and their lawyer, XXXX XXXX told me to get an attorney. The bank is holding my funds and has cancelled my debit card so I ca n't get any money to live on. I had no knowledge of the old debt that was in my deseased husbands name. I do n't know what to do as I ca n't afford an attorney and I am still under a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. We have been on XXXX and social security scince XXXX. Please let me know if you need more information. I was told by the bank that I should have given them a XXXX certificate and taken his name off the account. I did not know this and did not get death certificate from state until last week before his military XXXX. I hope this information helps some else. You always think your money is safe in a bank. If debt collectors can.t harass you by phone or in person you why are they allowed to order bank to freeze your account? I have never been notified by XXXX XXXX XXXX about any of this. It is not on any credit report from any agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have tried on numerous occasions to place a credit freeze on my account with Experian. I have attempted this at least four times over the past week, from XXXX XXXX to XXXX, XXXX. 

Although I successfully put in place freezes on the other two credit services, Experian says they are not able to verify my identity and thus can not put in place a credit freeze. I provided the exact same information as I did with other account. Indeed, I was able to open an account on Experian using this same information and gain access to the free credit report. Since doing this I have received non-stop promotional messages for their services. The credit freeze option, however, can not be done from within the account, and must be done via this separate link : https : //www.experian.comXXXX This is a clear attempt from the company to stop consumers from adding a credit freeze and to divert their focus on other products that require monthly payments. I demand that Experian alter this deceptive practice ( and the government forces them to do so ) and make it possible to establish a security freeze directly within a client account immediately.

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 2017-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, the refinancing of my Citibank , N.A . home equity line of credit ( known as a " Variable Rate Equity Source Account '' ) was completed. This was a typical no-costs refinancing, as indicated in the closing Disclosure Statement which listed each of the specific individual Closing Costs, and provided that these costs would be paid by Citibank. Later, on XX/XX/XXXX, I received a final Statement from Citibank for my paid off account, which included a line item called Early Closure Fee in the amount of {$3200.00}. I immediately contacted the Citibank Mortgage Loan Coordinator with whom I worked on the refinancing from application through closure. This Early Closure Fee was not mentioned in the closing Disclosure Statement or any of the other closing documents, was never mentioned at any time by the Mortgage Loan Coordinator after numerous emails and phone calls discussing the terms and details of the refinancing, always assuring me that there were no other costs involved in the refinancing. I would have never even have discovered this Fee, which was simply added to the closing Payoff Amount, if I had not reviewed the final Citibank statement that was mailed almost 3 weeks after the closing. For the next month, I emailed back and forth with the Mortgage Loan Coordinator, who admitted " It was my responsibility to catch that, and somehow it slipped by me, '' followed by emails assuring me that she was working with her managers, and assuring me that the matter was diligently being worked on and that I would hear from them. But since her last email to me of XX/XX/XXXX, there have been no more replies to my requests for an update. A number of times I requested contact information for her managers or others to whom I could escalate the issue, but she did not provide that information. Your help in resolving this matter would be greatly appreciated.

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 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX # XXXX IN THE AMOUNT OF {$1800.00} WAS PREVIOUSLY DELETED FROM MY CREDIT FILE AS I AM NO LONGER LIABLE FOR THIS ACCOUNT. IT HAS REAPPERED ON MY CREDIT FILE AS OF XXXX XXXX, XXXX UNDER A DIFFERENT COLLECTION AGENCY XXXX XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA XXXX, Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph XXXX XXXX XXXX, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause XXXX ii XXXX, a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; XXXX XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and XXXX XXXX XXXX a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from 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 non-monetary relief
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XXXX/XXXX/XXXX, Experian denied me the ability request my free annual credit report through the use of XXXX. They are requiring me to mail in the request, which I find unreasonable due to the time sensitivity of receiving a copy of my credit report, in regards to the massive breach of 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 2017-09-14 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Our XXXX XXXX Line of Credit is showing up on our report as if we pay it late. When in fact we have NOT used that account in several years. What happened is in late XXXX XXXX XXXX had a security breach where someone got into our XXXX XXXX  checking/savings account and performed fraudulent transactions. Since the bank did not catch it ... they took it upon themselves to use the line of credit to cover the money/purchases that was being stolen. We called them multiple times when we noticed the money coming out of our checking/savings account and also let them know they should not be using the " inactive '' line of credit to cover these unauthorized charges that were a breach of their system. Once they took it upon themselves to use the line of credit to cover unauthorized transactions, they would then charge us interest on that line. It took weeks for them to reconcile the unauthorized charges and correct their inappropriate use of our line of credit to cover those transactions. It was known that we would not make payments to that line of credit because WE did not utilize the line of credit and wanted to make sure they corrected every transaction and were not attempting to charge us interest on the line of credit to cover the fraudulent checking/savings account transactions. It appears the bank did not record these weeks of conversations in their system because they are showing up on our credit report as if we made late payments to our line of credit. When in fact it was their delay in researching the fraud and correcting the balance amounts across the checking/savings account and the line of credit. 

This XXXX XXXX Line of Credit mark on our credit needs to be corrected. If you research the transaction history you can see we had not used that line of credit for years and their should be a record of the fraudulent activity on our checking/savings account that show that XXXX XXXX ( not us ) accessed the line of credit so any late " payment '' to that account was their late payment ... no ours because we did not use the line of credit and did not do the transactions that bank tried to cover with our line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Gurstel Law Firm, P.C.
State: IA

Complaint narrative:
XXXX XXXX XXXX and Gurstel Chargo Law firm and XXXX XXXX XXXX  have been garnishing wages on on a old credit card account that was charged off before XXXX. This company filed a small claims judgment in the amount of {$2600.00} XXXX/XXXX/XXXX. In XXXX of XXXX they began more legal action to get the judgment amount. The wage garnishment started XXXX of XXXX and has every year until now. They have thus far collected {$2300.00} since XXXX yet the amount owed on the judgment keeps going up XXXX its up to {$6200.00} XXXX currently because this company is still adding interest on a account that has been closed before XXXX and charged off. I do not feel responsible for these so called finance charges and take responsibility for the original judgment of {$2600.00} which is almost paid up. I think this company is taking advantage and unfairly charging me these outrageous amounts for a credit card I have not had in almost XXXX. These garnishments really put financial hardships on single parents like me who are trying to make ends meet and trying to pay off debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit freezes should be free after a company that uses my information as a product for personal gains with no recourse ends up leaking all of my info that I have no way to secure or opt out of.

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 2017-09-14 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: AES/PHEAA
State: VA

Complaint narrative:
FedLoan Servicing seems to have a practice of deliberately delaying the processing of my XXXX XXXX certification. I submitted my XXXX XXXXt recertification request in XXXX XXXX. I did not receive a recalculated XXXX payment amount until XXXX XXXX, XXXX when my monthly payment was calculated at {$820.00} ( a very high payment, but that 's a separate issue ). Despite having recalculated my payment, fedloans billed me {$3100.00} for the next two months, which I could not afford to pay. 

FedLoan Servicing forced me into forbearance in XXXX, XXXX and XXXX XXXX by delaying the processing of my XXXX payments and thereby prolonging the amount of time before I will be eligible to apply for XXXX XXXX XXXX XXXX ( XXXX ). 

I took a public service job instead of pursuing a more lucrative legal career because I relied on the promise of public service loan forgiveness to make up for the fact that it would cost over {$3000.00} month to pay off my student loans in a timely 10-year plan. By delaying my ability to make qualifying payments and capitalizing interest during those delays, they are making it financially more burdensome to participate in the XXXX program. I enjoy public service and working in the public interest, but I am worried that these delays are going to keep happening and I will never be able to be free from student loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo needs to answer these questions in full based on their last response to the same issue. Refer to CFPB # XXXX. 

XXXX. In their response to the above complaint is Wells Fargo denying ever sending me anything on XXXX XXXX, XXXX? 

XXXX. If not, are they only denying sending me a rejection letter on that date? 

XXXX. If yes to above, what do they claim they did send me on that date? And why did they send it and what records do they have in their possession to prove what they sent me? Please supply all documents to support the claim that something else was sent to me on that date. 

XXXX. Is Wells Fargo claiming they do n't have any records of sending me anything on that date? If so what records do they have to prove they sent me anything during the application process? 

XXXX. Wells Fargo either needs to admit they sent me something on that date via XXXX  or deny sending me anything on that date. Since there are records of that transmission having been sent to me they must either acknowledge or deny it.

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 2017-09-14 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: EQUIFAX, INC.
State: SD

Complaint narrative:
I am a previous victim of identity theft in XXXX. It took over XXXX hours of my time to get it cleared. 

I do not want to go thru that again. 

To protect myself from damage resulting from Equifax losing my most sensitive data, I am freezing all my credit reports. 

Equifax did not charge to freeze my credit XXXX wise of them XXXX. XXXX also did not charge. However I was charged {$10.00} to freeze XXXX. I 'm still trying to freeze XXXX but expect that to be another {$10.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XXXX/XXXX/XXXX, TransUnion denied me the ability freeze my credit report online. They are requiring me to mail in the request, which I find unreasonable due to the time sensitivity regarding the massive breach of 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 2017-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Good morning, my complaint this morning is with Wells Fargo Bank. I have recently been charge fees in an unfair way. Out of XXXX transactions I was short in funds for XXXX but to do to the way they sequenced my incoming charges, they charge me for XXXX fees. This is not the XXXX time they done this. I tried compromising with them but they say that its the way checks get presented that they process through account and that 's not true. I had XXXX transactions presented in the account throughout the noon time of that day while I had a XXXX transaction processed until later that evening ; and as this transaction was the XXXX in posting sequence, I know its not what they use as excuse. In that sense they can always say that and unless a customer like my self talks to the payees and know the way the payees bank process, then we can track down every time but Wells Fargo bank knows no one will do that and can take advantage of the system that way. Nonetheless, to my understanding, it was already in the regulations for banks to not this process as they profit more. 
Note : I 'm also aware that the process of items with banks can goin a sequence from atm to debit, to electronic checks then manual checks regardless of amount but this case was manual checks deposit.

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 2017-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FMA Alliance, Ltd.
State: IN

Complaint narrative:
On XXXX I received a call on my cell phone from XXXX ( FMA Alliance ). It was marked SPAM and I ignored the call. At around XXXX pm XXXX, a collector named XXXX XXXX ( sp? ) from FMA Alliance called my XXXX son, who is XXXX XXXX, on his cell phone while he was at work and she asked for me. He texted her information to me. I returned a call to the number above and spoke with XXXX XXXX ( sp? ) who explained that they were trying to collect a debt that they bought from XXXX XXXX XXXX, XXXX who had acquired it from XXXX for XXXX XXXX 

On XXXX I sent a certified Cease and Desist letter to XXXX, Their Successors and Assigns. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX at XXXX am EST to XXXX, XXXX. XXXX XXXX, XXXX, OH XXXX. Eventually their calls stopped and apparently they failed to include my letter in my file when selling it to their " Successors and Assigns '' XXXX XXXX XXXX. and then to FMA Alliance.

Company response to consumer: Closed with explanation