vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-01 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: Ocwen Financial Corporation
State: NC

Complaint narrative:
* THIS IS NOT A DUPLICATE COMPLAINT * My initial complaint was closed on XX/XX/XXXXwithout Ocwen Loan Servicing taking all the needed action to have their credit item expunged from my credit file.

Initial Complaint Details Complaint number : XXXX   Date submitted to CFPB : XX/XX/XXXX Ocwen Loan Servicing did not address in their correspondence letter datedXX/XX/XXXX that they were going to update the first Delinquency Date to XX/XX/XXXX ( they are reporting XX/XX/XXXX ) with the credit bureaus : XXXX, XXXX, XXXX and XXXX. This credit item needs to be purged due to age of first delinquency. Ocwen only handled half of my first complaint, which was to report that I was 180 days past due on XX/XX/XXXX.

Further, Ocwen has already admitted, in writing which I attached, that they first acquired servicing rights on XX/XX/XXXX from XXXX XXXX XXXX  with a loan due for XX/XX/XXXX. This is an undisputed fact that they already substantiated.

Ocwen Loan Servicing, LLC also incorrectly reported they transferred my account to XXXX XXXX XXXX  onXX/XX/XXXX. My account was transferred on XX/XX/XXXX.

You may reach out to either XXXX XXXX ( XXXX  ) XXXX in the Ocwen Office of Ombudsman or XXXX XXXX   in the Ocwen Office of Ombudsman ( 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 2018-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I went to XXXX XXXX today to close my account after paying off the large fraudulent negative balance. I figured that when I asked them to fix the account and when the account manager picked up the phone he didn't really call who I intended for him to call. They are acting like they are contacting the right personnel when in fact they don't inform you of what they really do, instead they tell you they cant fix the problem but then go fix it and collect the fees once you either attempt to close the account of while your not looking or noticing. this is how they are running their scan not and they do it on new people in town, college students, with loans, and single females without children. I went to close the account today and they refused to provide me with proof. All I got was a screenshot faking like it would be closed. I will attach it below. I just want my money back. I haven't received my paycheck or this fraudulent amount they shifted around during account servicing. They reshuffle serving dates and times and creatively steal peoples money. I suffered personally because of what they did to me and they deserve to be caught. Banks don't respect war vets and believe that they get free money when in fact we pay for things ahead of time, everything. But because the public doesn't know this because of the way contracts are worded they never learn the truth. So they think we get free money when we actually did a lot of servitude ( slavery ). bank employees steal from us because they don't know the truth. I have never had a non federal bank account where they did not honestly try to ruin my life. I pray to XXXX you help all service members going through this. y life has been in ruins because of random bank employees since I left military service.

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 2018-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
OnXX/XX/XXXX I contacted XXXX XXXX and informed them of my mothers XXXX and requested them to transfer funds in the account XXXX to me mothers estate account, my name is on the XXXX   account but they requested I close out the account which would take less than 9 days. I emailed them her death certificate, Affidavit of Domicile and Letter of Authorization for wire transfer. On XX/XX/XXXX I verified that they received all the documents they required and was promised that this would be all that was required and the would transfer the funds within the next 9 days. On XX/XX/XXXX I contacted them again as they had not transfered the funds and was told that I needed to complete 3 items and 2 of the items were complete and the third item was a sales pitch for me to put my name on the account and keep it with them, I told them that the estate was to be divided to several people. Still nothing had been done and no one had contacted me so I called them on XX/XX/XXXX and told them they needed to act on this that day and again they promised to return my call that day but never did. I have been dealing with : XXXX XXXX  Relationship Consultant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX  phone XXXX XXXX XXXX   sXXXX 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 monetary relief
Consumer complaint received 2018-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Due to working away from home and also moving to a new home, I do not have all of the exact dates and documentation. I also thought the matter had been resolved.

When I went to the register to purchase my items at XXXX XXXX sometime XX/XX/XXXX, the cashier asked if I would like to earn points for future purchases. She explained the promotion, however, never mentioned that I was applying for a credit card. I entered some information on the XXXX XXXX and also presented my XXXX XXXX XXXX. When I walked out of the store I thought the purchase was charged to my XXXX XXXX XXXX.

When I went to the next store to pay for my items, I could not find my XXXX XXXX XXXX While looking for my card, I found the receipt from XXXX and then noticed the recent purchase was not charged to my XXXX XXXX XXXX. I immediately went back to XXXX   and asked them to return my XXXX XXXX XXXX ( which they did ). I also asked them to remove the recent transaction from their card and add it to my XXXX XXXX XXXX. XXXX refused to do it. I then called XXXX ( credit card company ) to cancel the card and they said they could not do it.

When I returned home from work in XX/XX/XXXX, I received a bill from XXXX/XXXX. I called XXXX to pay the bill with my XXXX XXXX XXXX. They refused to accept it, and said I must send them a check ( which I did-see attached ). They said they would waiver the late fee after I explained the events that occurred at XXXX  and that I was out of town. However, further statements came with some fees that did not make sense. I NEVER made any new purchase and I asked them to CANCEL the card several times in the past 2 years.

I made numerous calls to XXXX  and was always assured a XXXX  balance each time. Because of my physical move, the only documented conversation I have with XXXX is with XXXX, Confirmation # XXXX,XX/XX/XXXX. The XX/XX/XXXX balance was {$55.00} ( see attachment ). The latest XX/XX/XXXX bill balance is {$17.00}. No new purchases have been made. They removed portion of the fee???

This has hurt my EXCELLENT credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
Back on XX/XX/XXXX XXXX  accidently added a tablet to my account and they told me XX/XX/XXXX that it was removed and now a collection agency want to collect and place a item on my credit burear account.

DIVERSIFIED CONSULTANTS INC XXXX  Florida

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
Our first tax bill, received in XX/XX/XXXX, was due onXX/XX/XXXX. We called XXXX XXXXn late XX/XX/XXXX in order to be sure there were no issues and in an attempt to have the taxes paid inXX/XX/XXXX. They said they had numerous requests and may not be able to get to It inXX/XX/XXXX.

I called XXXX on XX/XX/XXXXand was told they would pay the taxes before the end of XX/XX/XXXX. I reminded them the taxes were due onXX/XX/XXXX and our escrow account had the funds to cover the taxes. I spoke with XXXX on that call.

The next time I called was on XX/XX/XXXX the date the taxes were due. XX/XX/XXXX told me that XXXX  usually wired funds on the due date to the taxing agency along with a list of the property owners. She said she would follow up and let me know on the following day. She did not call back the following day.

OnXX/XX/XXXX I called XXXX and spoke with XXXX  and was told our tax payment had been expedited and our taxes would be paid within the next 5-7 business days. He also told me that they would withdraw {$1600.00} ( the actual tax due ) from our escrow account and XXXX would pay the {$44.00} late fee. In actuality they took the entire amount of {$1700.00} from our escrow funds.

On XX/XX/XXXX XXXX  called me back and told me our Parcel ID was uncertified per XXXX County and that XXXX got the problem solved with XXXX   County. Then she said our Parcel ID number is now certified and XXXX would pay the taxes owed.

I called XXXX  Countys Assessor Office, Auditor and Treasurer. None of them had any idea what Parcel ID Certification meant. I was told by the Treasurers office they had received funds from XXXX in XX/XX/XXXX but our taxes were not included. XX/XX/XXXX County Government address is : XXXX XXXX XXXX XXXX XXXX SC XXXX. Phone : XXXX

We are unhappy with how XXXX this was handled by XXXX. Due to XXXXs failure to uphold their fiduciary responsibilities and causing us to pay for their error, we believe the escrow account requirement should be cancelled free of any charges to us and allow us to handle the taxes and insurance in a timely manner. We paid {$330000.00} for this house and our mortgage balance is {$120000.00}. We have paid the mortgage payment plus additional funds toward the principal each month. XXXX is well protected and would assume no serious risk by cancelling the escrow account requirement.

Attached : XX/XX/XXXXTax Notice XXXX statement Notes from phone calls with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: SC

Complaint narrative:
Original CreditorXXXX XXXX XXXX XXXX  now known as XXXX XXXX XXXX, lease an apartment from them. Roommate broke lease. There is a fee to break lease roommate refused to pay after I paid my half amount. Was never contacted by them for remainder. Get a phone call from Hunter Warfield on XX/XX/XXXX for amount. Wanted to deal with original creditor. The original creditor refused payment. Original creditor referred me to deal with collection agency. Requested verification of debt on XX/XX/XXXX Debt was verified. Started to negotiation with settlement for original amount of {$1200.00}. On XX/XX/XXXX letter was sent with amount of {$1200.00} with {$4.00} as interest. In original contract there is no interest. Debt collector is seeking to collect more than what is originally owed. In addition, tried to make phone contact onXX/XX/XXXX to settle account. Made phone calls at XX/XX/XXXX and XXXX XXXX  with the phone number provide to me in a letter at XXXX. Hunter Warfield did not answer phone during normal business hours. In addition sent email to XXXX XX/XX/XXXX with no answer. A letter was sent on XX/XX/XXXX with full amount of {$1200.00}. Hunter Warfield recieved check on XX/XX/XXXX via certified mail. Since that date Hunter Warfield has not cash the check for payment in full. Hunter Warfield sent letter to consumer suggesting that if payment is not receive then will put negative listing on credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
Today I attempted to pick up a moneygram transfer in the amount of {$200.00} reference number XXXX at the XXXX XXXX XXXX - # XXXX located at XXXX XXXX XXXX XXXX, MD XXXX. I used the moneygram app to begin the receive. However, when I reached the register the agent said the transfer was not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 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: Nelnet, Inc.
State: MA

Complaint narrative:
Nelnet services the bulk of my federal student loans. This company has been allocating my loans in ways contrary to what is listed in my monthly statements and payment schedule for the entire time I've had the loans. When I contacted them, which I have to do every month because the auto payments just happened to be allocated towards my lowest interest loans to have it adjusted to match what is in my payment schedule, they tell me that they have to put in a special payment request to do so, and often, this payment request is not honored and I have to contact them through their chat service to make an additional request to have it fixed. I repeatedly asked for proof that such request was being made and to understand why the payments weren't being allocated as suggested in the monthly statement or payment schedule, both of which are available in my portal, but they said that such requests were not accessible to me and they couldn't share any internal information. This was and is a huge burden to me to attempt to have my loans allocated towards the higher interest groups, or at the very least in the sums as stated in my original payment schedule or even the monthly statements. I repeatedly asked that my loans did not get " advanced due dates '' and almost always clicked the box to not advance due date ( once I figured out what that did ) when I made additional payments, yet, the loans still get out of sync. The secretive and nontransparent loan allocation process is always in Nelnets favor and to my financial detriment. Furthermore, the auto amount withdrawn monthly seems to be reduced at random times without my consent to push out the time frame I'm paying my loans and thus interest to them. I did not consent to this and again, is a non transparent action Nelnet takes that is in their favor and to my disadvantage. I feel like I have no control and that they are not accountable. I've paid on time always and I'm very attentive, which only means I see the re-allocations and have to spend much more of my time than I would like attempting to have it resolved. The lack of transparency and sneaky re-allocation drives me crazy. I don't see why this company should be allowed to profit when taking advantage of student loans in this way. I have documentation of some of my chats to prove that I repeatedly requested the allocations to be fixed because the portal overwrites whatever they've previously done. Again, no transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
" CONTRACT WAS CANCELLED '' " NO CONTRACT ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a letter from Berlin-Wheeler regarding a {$60.00} debt. On XX/XX/XXXX I sent them a letter asking for debt validation. On XX/XX/XXXX I received a voicemail message from Berlin-Wheeler stating I should pay the money. I still have not received any debt validation I asked for.

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 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: International Collection Systems, Inc.
State: AZ

Complaint narrative:
I called them and told them of my bankruptcy and they said they could not remove it. 
Az case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MN

Complaint narrative:
I received an email XXXXXX/XX/XXXX, saying that a debit will me be made from my account in the amount of {$370.00}, please ensure that you have funds available to cover this debt. The loan was taken out on XX/XX/XXXX from someone else. I contacted Cash Center and they told me this was the 6th loan taken out, I explained to them, I do not have or ever had a XXXX XXXX  card, which they applied the loan to. So they told me that I would need to fill out the Identity Theft Victim 's complaint, which I did then I asked them about the other loans, the woman XXXX  told me since it's a fraudulent loan they could not give me the information about where the money or how the money was funded. I do have the dates of the other loans. I have filed a police report and have XXXX and contacted the IRS and IdentityTheft.gov. Now I am filing a complaint with you. What kind of business puts money on a card, which is not affiliated with a bank or has a bank account, checking or statement. I do not have a bank account, have not in the past 4-5 years. Not sure how they got my ss, I know with the XXXX breach. I have gotten more emails from Cash Central/Choice Financial that the debit did not go through, and have put added expense on the amount. I am very upset about this and having to jump through all these hoops for something someone else has done. The other dates areXX/XX/XXXX {$350.00}, XX/XX/XXXX {$350.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX{$350.00}

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 2018-02-01 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: IL

Complaint narrative:
Equifax refuses to investigate fraudulent inquiries on my credit report. I have spoken to several representatives and filed multiple disputes in regards to inquiries and each time Equifax responds and says that the inquiries are a matter of factual record and can not be removed. Under the FCRA guidelines fraudulent information on my credit report must be removed. The below inquiries are related to fraud and need to be removed XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: GA

Complaint narrative:
I swear that I completed the income based repayment recertification back on XX/XX/XXXX, approximately 30 days after XXXX notified me of my program ending unless I renewed. I didn't receive another notification from XXXX until XX/XX/XXXX that my program has changed. I had just spoken with a XXXX representative the previous day on XX/XX/XXXX regarding my public service forgiveness not having the correct number of payments, which the person never mentioned that my recertification documents were never received. 

Now, XXXX has capitalized approximatley $ 45K of interest and say there is nothing they can do and direct debited a payment of {$2700.00}, which normally is aroudn {$1200.00}. They said I can unauthorize the charge and do forebearance for 30 days, but lose that payment toward PSLF and there is nothing that can be done on the interest capitalization.

Company response to consumer: Closed with explanation