vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
XX/XX/XXXX XXXX approved a loan modification for me then transferred my loan to Ocwen inXX/XX/XXXX. When my loan got to Ocwen they wouldnt accept the modification that was already in place with XXXX. I have been trying to find out what happened to the notarized package that was sent in XX/XX/XXXX, and why Ocwen wouldnt accept what XXXX had already approved for me. Please help me! I have been in my home 24years and I dont have anywhere else to live once my home is sold on XX/XX/XXXX. I didnt just leave my home like many other homeowners would have done. XX/XX/XXXX to Present Ocwen has been denying me the Modification that I had in place in XX/XX/XXXX. Ocwen didnt acknowledge ever receiving my XXXX Notarized Documents of XX/XX/XXXXuntilXX/XX/XXXX. I continued from XX/XX/XXXX to present to ask for my modification but I continue to get letters from Ocwen saying " Investor Doesent Participate in the HAMP ''. Ocwen wanted me to leave my home and I didnt. I did nothing wrong. My loan transferred to Ocwen and once my documents go to them, the process stopped. Ocwen didnt tell me about my Notarized Documents until 5years later. When my loan transferred to Ocwen in XX/XX/XXXX, I owed {$31000.00} in Arrears, today my Arrears are {$370.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: ZIONS BANCORPORATION
State: TX

Complaint narrative:
Visa Card issued by Zions National B ank 30 day late payment has been noted on my credit report.     My law firm has  XXXX  times contested this negative mark on my credit report.      Zions National Ban k refuses to remove it from my credit report.      Visa    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   2001  The statute of limitations has passed.     Please remove this 30 day late notice from my credit report.     Thanks in advance.      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 2017-06-13 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: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX & I have been trying to resolve confirmation XXXX since XX/XX/XXXX. XXXX XXXX XXXX electronically submitted notification to remove the 9 collection accounts from my report. XX/XX/XXXX I called Equifax and was told this had not been done, Also that when XXXX XXXX XXXX submits notification for removal these accounts will be removed real time ( IMMEDIATELY ). On XX/XX/XXXX XXXX XXXX XXXX called the Equifax Business Customer Service line and verified that Equifax has received the notification to remove the 9 collection accounts. Equifax advised XXXX XXXX XXXX that there was a 10th collection included for XXXX that was keeping the dispute from updating because XXXX had not responded. XX/XX/XXXX I called Equifax and said I added XXXX  to the dispute incorrectly and needed XXXX removed from the dispute. I was told this would be done in 72 hours, dispute XXXX would be completed and the XXXX XXXX XXXX Accounts would not be on my credit report any more. 72 hours later XX/XX/XXXX, I called and was told this had not been done. The new agent said he removed the dispute for XXXX XXXX and that would take 48 hours to update, once it updated dispute XXXX would process as complete. XXXX was completed, XXXX has still not completed. XX/XX/XXXX I spoke with Supervisor XXXX, told her the story was advised that new dispute for the collections was placed on XX/XX/XXXX # XXXX and that was holding up dispute XXXX from completing. She cancelled dispute XXXX and said within 24 hours ( which is now ) dispute XXXX will be cancelled and dispute XXXX will be updated. It has not, I need this resolved ASAP. This is keeping me from applying from a home loan but all the information Equifax needs to remove the accounts was submitted by XXXX XXXX XXXX on XX/XX/XXXX but not received " real time '' until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CONRAD CREDIT CORPORATION
State: DC

Complaint narrative:
I entered into a   XXXX   XXXX   business agreement on  XXXX   XXXX   2017 . The total cost to do the business is  XXXX  dollars. I paid  XXXX  and have a balance of  XXXX . The business coach advised me that the business will finance the remaining balance. I asked on  3 occa sions if a credit check will be done and I was told no. The company sent me a document to sign with all my basic information. As a business partner I signed. On the  XXXX  of  XXXX     2017  I got an alert that some activity went on my credit. Only to see it was Conrad Acceptance Corporation. I contact my coach and told him I was being lied to that a credit check would not be done and I need a refund of a reversal of the transaction. He told me to contact support help at legendary marketing. I was told that the agreement I signed can not be cancelled or reversed afte r 3  business days. I made a report to my credit card company and the Credit Bureau. Attached is all text messages and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: MD

Complaint narrative:
My name is  XXXX   XXXX , my social security number is  XXXX .     On  XXXX   XXXX ,   XXXX   I filed a dispute with Equifax that was resulted on  XXXX   XXXX ,   XXXX  . Confirmation number  XXXX . Regarding a public record on my file that had been paid. My request was to have it deleted. The credit report agency reflects that it has been released and had not removed this from my file after several attempts. I have also sent requests for verification and mailed validation of the debt and this also has not been submitted to me by the CRA in conjunction to my request.     The creditor is the State of Maryland, it is a tax lien in the amount of {$2000.00} and has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I contacted Home Depot Credit Card ( issued through  Citibank ) t o inquire about a possible credit limit increase on my account. I asked the rep repeatedly  (  have a recorded call validating this ) if there would be a credit inquiry on my report for the credit limit increase request. She stated NO, there would not be. I asked her if she was sure and she put me on hold and then came back and once again reassured me that there would be NO hard credit card inquiry put on my report. She went ahead and processed the limit increase request BASED SOLELY ON THE FACT THAT THERE WOULD BE NO HARD INQUIRY and at the most a soft inquiry, this is the ONLY way that I agreed to let her do it. She then tells me that she has to transfer me to another department so that they can get more information and " verify me '' to further processing the request. When I reached the second representative, I asked again for him to confirm that there is NO hard inquiry, this rep says YES there is a hard inquiry, it was already done by the first rep and that there is always a hard inquiry with there company. Very upset, I told him that I had just been lied to about the HARD INQUIRY by the rep who first handled my call and transferred me to him. I also asked him to get the hard inquiry off of my report because in addition to being lied to about it, I absolutely did NOT authorize it. I told him to cancel the limit increase request and do not go any further with it due to the deception that I had received. In fact, we never even got to discuss the increase or verification or whatever the purpose the call transfer was for. We only discussed the Hard inquiry being removed and the fact that the rep had just lied. He ( second rep ) did apologize on behalf of the first rep and stated that he put in a request to have it removed and that I would get a letter in the mail in 10 days. This all took place on  XXXX / XXXX /  XXXX  . I have never received that letter. The inquiry is still showing on my report as of today. I also called back about  2  weeks ago and was told the same thing. Still waiting. A week ago, I submitted an online request and no one has gotten back to me. Still waiting. The hard inquiry that I did not authorize has affected me negatively and has dropped my  credit score . And no one gets back to me about it. I would like it removed 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 2017-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: IQOR US INC
State: FL

Complaint narrative:
I get calls repeatedly throughout the day from  Allied  (  XXXX  ). I do n't have anything outstanding, but it shows as a debt collection agency. They never leave a message, and I keep my cell phone on silent while I 'm at work so I always just miss the call. Today, that number came through to my work.

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 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have received 2 letters stating that  Citibank  has enrolled me in an optional debt protection program and was charged a monthly fee. As far as I know this This had been a few years ago. I do not carry a  Citibank  card at this time.

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 2017-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Last month, we filed a complaint with your office because Capio Partners reported three medical bills on my XXXX credit report. Prior to reporting the accounts, they did not supply me with a notice of my right to dispute. Based upon that, they apologized and agreed to remove the accounts from my XXXX credit report. To their credit, they lived up to their word, and the accounts have been deleted from my XXXX  credit report. As of today, Capio Partners are now reporting these same accounts to my XXXX XXXX credit report. Once again, I have not received a notice of my right to dispute, and I am demanding that these accounts be deleted from my XXXX XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I purchased my home in  XXXX . My mortgage company i s Wells Fargo Home Mortgage Company, Inc. My mortgage interest rate is 6.25 % since  inception of my loan. In  XXXX  I began to inquire about refinancing my mortgage since the interest rates dropped to an all time low. I was deferred to  the Wells Fargo Home pr eservation unit. I completed an application and submitted all the supporting documentation in  XXXX . I continued to call and inquire about the status of my application.  Wells Fargo claimed they never received my application. It took over 18 months for Wells Fargo to process my application and instead of refinancing my loan they did a loan modification. WF    did not reduce my interest rate, they extended my loan ou t for 20  more years and reduced my payment by less than {$100.00} per month. This is not what I requested or needed. By the time WF sent the paperwork I had to file bankruptcy and my attorney declined the loan modification as it was absolutely no help to my financial situation. I filed  Chapter   XXXX  on  XXXX / XXXX / XXXX . I have spent years dealing with WF without any remedy or assistance from, them. In  XXXX  my attorney contacte d WF for a refinance and again, they did a loan modification. WF  claimed I owed over {$18000.00} in arrears which is completely ridiculous. Now my loan has been extended to  XXXX  and  WF  charged me over {$10000.00} in interest. They have charged late fee upon late fee and interest. At this time I have completed my  Chapter   XXXX  and final disbursements have been made. I am waiting for all checks to clear and I will b e discharged. WF claims in the tem years I have had my mortgage that I have paid only {$10000.00} in interest. My original loan was {$250000.00} and I have paid over {$2000.00} per month for tem years and the balance of my loan is {$230000.00}. I will be dead before this is paid off. I have asked WF repeatedly to do a forensic accounting of my loan which they have never done. I am disgusted with WF. I am still at 6.25 % while the rest of the entire work is at a rate of about 3 % or lower! WF also claims my escrow account is always short.

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 2017-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TCF NATIONAL BANK
State: VA

Complaint narrative:
I called Gateway One Lending and Finance at  XXXX  to payoff my car loan and they wouldn't take my payment.  I pay online and they wouldn't take that payment either.      They don't have a way to process the closing in the same manner that I was instructed to make payments and find this feels like a usury situation as they are forcing me to stay in the loan and pay interest that I would like to pay off.    I contacted the company and they said they couldn't help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
My loan with Carrington Mortgage Services was originated on XX/XX/XXXX - until the month of XX/XX/XXXX, I have always made my payment online with XXXX surcharges added to my monthly payment. As of XX/XX/XXXX - Carrington Mortgage is now requiring an additional {$5.00} convenience charge in order to pay my mortgage online. Additionally, if I were to make my payment over the phone I would be charged over {$20.00} to make the payment. I do not have checks to make this payment via mail, and I should not have to incur the cost of postage for a task that was previously free, and one that I did not previously agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I have had told  Midland  funding to stop calling my cell phone and provided a home number and I receiving calls from them on my cell phone. I finally called them back  XXXX  and told the guy the phone number he is calling a  Cease and Desist  number. He continued to talk and I hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: AL

Complaint narrative:
I 've had a loan with Titlemax in  XXXX , AL for at least 5 years. During this time, an employee of Titlemax visited the home of my husband, now ex-husband, and the employee shared private information about my loan with him. My ex-husband then shared that info with family and friends, and he discussed my Titlemax loan during our divorce proceedings. I suffered emotional distress and embarrassment due to the fact that my ex-husband was able to discuss the Titlemax loan during our divorce and share the info with family/friends. Also, when I initiated the loan, I was misled and deceived by the sales associate. The sales associate did not make me aware that by repeatedly renewing my loan, the repayment interest would then be significantly higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: TX

Complaint narrative:
XXXX   XXXX  issued by  XXXX   XXXX  Bank 30 day late payment has been noted on my credit report.     My law firm has  FIVE t imes contested this negative mark on my credit report.       XXXX   XXXX   XXXX   refuses to remove it from my credit report.      XXXX  xxxx xxxx xxxx  XXXX   Date Open   XXXX    XXXX   The statute of limitations has passed.     Please remove this 30 day late notice from my credit report.     Thanks in advance.      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase called me at  XXXX  about a payment that was made. The payment was {$150.00}, but {$150.00} was due. They called me regarding {$3.00}, but the due date on the payment was the  XXXX , but it is the  XXXX . Both of my accounts are in good standing, but yet there was a need to call me at  XXXX .   They took an auto pay for the {$3.00}, and marked our account to not call before  XXXX  (  XXXX  California time ). They claimed they have no information for making the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
I had a credit card back in  XXXX  I did not pay it, I believe it was   XXXX   XXXX  , the balance was approx.  XXXX . A judgement was filed against me in NJ court by the original creditor. The debt was then purchased by  XXXX   XXXX  and they filed an additional judgement for approx {$2800.00}. On  XXXX   XXXX ,  XXXX  my checking account was levied by  Pressler & Pressler  of {$2400.00} plus {$120.00} service fee to my bank. I was left with {$0.00}, I am a single parent raising an adult with  XXXX . I was FURIOUS. I calle d Pressler & Pressler I w as hysterical crying, the attorney I spoke to,  XXXX   XXXX , was laughing at me. She is a disgrace to that profession. I was left with no money and a hold on my bank account which I still have on it to this day. I contacted the court in  XXXX  NJ where this was filed and was informed the amount is a few dollars short of {$3900.00}. Having recently gotten a job I did not want any type of garnishment filed ( which they were going to do ) I am in a payment arrangement with the NJ court now, I have paid them {$400.00} in addition to the {$2400.00} they swiped from my bank account. I have to pay the entire amount of {$3800.00}. and then go to NJ and get the release of the judgement and hope that is the end of it. I recently had my credit run and  TWO  judgements came up, the one I am paying off, which on my credit report it is for less than the court is claiming I owe. And the  Original one  that the second  one  is based off of. Needless to say that did n't look good. So, how do I get the original purchased judgement removed? And how is it possible that a judgement of {$1900.00} has ballooned to {$3900.00} and they were able to wipe my bank account clean? I have no rights? I was told I could come down to the court with  three  months bank statements and maybe get {$1000.00} of my money back. I have a job, a   XXXX   with  XXXX  and I do n't live in NJ anymore, how would that be a feasible option? I feel like the court is in bed with this  Pressler and Pressler , and HOW does a judgment filed by  XXXX   XXXX  get collected on by  Pressler and Pressler ? And that attorney,  XXXX   XXXX  should be disbarred ; she is a disgrace. I have to believe I am not the first nor the last to complain about  Pressler and Pressler , they seem to have quite a track record of preying on consumers. And  one  other thing, the address that  XXXX   XXXX  told me the notices were going to, I have not lived at since  XXXX . Which means they were getting the items returned. I had not received ( until recently ) a single piece of mail stating this debt existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
TD Bank USA/Target Card Reported on    XXXX   credit bureau twice.  XXXX  different account numbers,  XXXX  different open dates  XXXX  for  XXXX / XXXX / XXXX  and the other  XXXX / XXXX / XXXX .    XXXX  account charge off amount says {$0.00}, the other account says {$1100.00}. I contacted Target yesterday  XXXX / XXXX / XXXX  about the accounts, c she verified I only had  XXXX  account with them that was settled in  XXXX   XXXX  and said I should dispute with credit bureau. I tried twice prior to calling and it was never removed.

Company response to consumer: Closed with non-monetary relief