vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was affected by the National Disaster in XX/XX/XXXX, I was employed in a Federally Declared National Disaster Area due to the CA Wildfires. I had contacted Ocwen, the loan servicer at the time and requested disaster assistance, such as a modification. After several requests I was told to apply in XX/XX/XXXX. I applied, but never received a response, possibly because my mortgage was transferred on XX/XX/XXXX and the new servicer said my file was not yet updated. I dont understand why my loan was transferred at the same time that I was given a package to apply for disaster relief and a modification. I have requested to be considered several times, but the new servicer has no record of my previous requests. So much time has gone by and I have not received any response, any assistance and I have now been referred to an attorney for foreclosure proceedings. I requested assistance several times, prior to being in foreclosure, as a result of the disaster. I was in the process of applying and referred to an agent, at the same time that my loan was transferred. This has caused me to lose contact and the servicer to lose track of my assistance request. In a previous complaint, Ocwen incorrectly thought I was requesting assistance because of damage to the home, but I was requesting assistance bc I was employed in the Fire Area, which was not accessible and heavily affected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
The following companies XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports

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 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
The following companies XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports

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 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My information was leaked in the XXXX, XXXX XXXX breach and my information was used to open up fraudulent accounts & inquiries. I am a victim of identify theft, I am in distress, I have suffered tremendous pain due to negligence of all 3 bureaus along with XXXX XXXX leaking out my personal information causing losses in many ways. I am allowing 3 business days of an internal dispute. I am seeking {$10000.00} for all the damages caused by your companies. I have filed a litigation, contacted the FTC, and many more to assure. The Fraudulent accounts/amounts : XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX {$25000.00}, XXXX. XXXX XXXX XXXX {$12000.00}, XXXX. XXXX XXXX  {$12000.00}, XXXX. XXXXl XXXX {$340.00} The fraudulent inquiries : 1. XXXX XXXX, 2. XXXX, 3. XXXX XXXX, XXXX. XXXX, 5. XXXX XXXX, 6. XXXX XXXX XXXX, 7. XXXX XXXX, 8. XXXX XXXX XXXX, 9. XXXX, 10. XXXX XXXX, 11. XXXX XXXX, 12. XXXX XXXX, 13. 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 non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I would like for you to look at the fees Ive been charged since 2017 till now. Ive sent you some statements but not sure if it was correct. 

Ive been extremely stressed out especially this month with Chase. I am unable to pay my rent. I am behind 2 car Payment. My car insurance my bill. Since XXXX. XXXX XXXX XXXX XXXX XXXX XXXX I receive SS check of XXXX It was eaten away Since XXXX total of XXXX And sine the beginning of the year till XXXX Sum of XXXX out of that only XXXX has been refunded. With 3 over draft fees XXXX its enough to set me back for days. I work for XXXX XXXX I cant catch up to the total amount because when I deposit money I also have to keep using the card because I have to keep working. I cant open another account to hold off on getting fees. At least be able to eat and keep working having to put gas. So thats why you see all those fees. With the money i make with XXXX and the way chase charges. And if its on the weekend.some fees keep spreading even more even if I had enough money to cover them Monday. Some charges wont reflect day to day of them clearing. So I dont know if its Chase or the merchant Delaying the days for some to post 3 days after the original perches. Because of chase I am getting evicted I may loos my car. And with out work and be homeless. 
It should be illegal. Besides unethical inhuman And plane out wrong for a bank institution to be allowed in-rich them selfs with the hard working people who live paycheck to paycheck They become more profitable by there practices.. the banks borrow millions and millions of dollars to weather people and go bankrupt. But still have money. But banks Feed on the poor to make up for those bankruptcy. Because there more of us to profit then there to try to get money from the rich people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-06 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: NJ

Complaint narrative:
XXXX XXXX XXXX is reappearing on my experian credit file which is not on my XXXX or XXXX file while I understand they are different agencies this should be removed The company XXXX listed with XXXX XXXX XXXX is no longer in business.

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 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has been allowing others cash my personal check and taking money out my account

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 2019-08-06 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: NV

Complaint narrative:
XXXX XXXX XXXX is not paid late late, I never made a late payment on the account ever. Derogatory accusations must be XXXX XXXX Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. CFPB step up, reverse the late payments on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX is not paid late late, I never made a late payment on the account ever. Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. CFPB step up, reverse the late payments on XXXX 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 2019-08-06 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX is not paid late late, I never made a late payment on the account ever. Derogatory accusations must be XXXX XXXX Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. CFPB step up, reverse the late payments on XXXX 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 2019-08-06 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: NV

Complaint narrative:
I requested proof that the repossession of the subject vehicle was legal in accordance with the law.. Since Equifax was unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it. Remove XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: NV

Complaint narrative:
DEPT OF ED/XXXX is reported duplicate on my credit report, I do not know the reason why. I only have a single student loan, please remove the duplicate entry. The student loan was temporarily suspended, and my loan holder granted forbearance. Please remove this inaccuracy from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
My loan was originated on XX/XX/XXXX for XXXX at 11 % interest through XXXX XXXX ( i think ) it has been almost 20 years. It was a second mortgage on a house we paid XXXX for in XXXX. This was to build an addition to the house which we did. Ocwen has owned the loan for years. Here is where the problem lies. This was a straight equity mortgage with 11 %. Nothing fancy just a straight 20 year loan. My first payment was in XXXX of XXXX. Here we are at almost 20 years later and my loan has only gone down by XXXX according to ocwen which is now phh. I never paid much attention to the balance till now I just paid it. My last payment shows they charged it all to interest nothing went on principle. I am being ripped off and after researching ocwen and how they have been doing to other people, like not crediting payments correctly etc. I feel that I fall into that category. I have paid on this loan for 20 years and have nothing to show for it on the balance sheet. This needs to be corrected and fixed immediately. Also i don't understand ltv but they have it really high at 76 %. That is also incorrectly miscalculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
DEPT OF ED/XXXX is reported duplicate on my credit report, I do not know the reason why. I only have a single student loan, please remove the duplicate entry. The student loan was temporarily suspended, and my loan holder granted forbearance. Please remove this inaccuracy 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 explanation
Consumer complaint received 2019-08-06 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
DEPT OF ED/XXXX is reported duplicate on my credit report, I do not know the reason why. I only have a single student loan, please remove the duplicate entry. The student loan was temporarily suspended, and my loan holder granted forbearance. Please remove this inaccuracy 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 explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: The Cadle Company
State: PA

Complaint narrative:
My husband and I Applied for Home modification around XX/XX/XXXX. When the modification was approved the mortgage payment went from {$1600.00} to {$2100.00} adding an extra {$520.00} and still remains the same currently. In XX/XX/XXXX our mortgage was sold to a debt collection agency & not a real mortgage company. This company does not report to the credit bureaus or give monthly statements. In XX/XX/XXXX my husband and I tried to refi the home so that we could get a better mortgage rate and monthly payment but our current mortgage company has been adding on extra unexplained fees & adding extra Interest from a previous modification ( XXXX ) before my account was even with their company of XXXX. XX/XX/XXXX my home was appraised for XXXX. My loan balance with my current ( mortgage co ) / debt collector is over XXXX. The company that I contacted to try to RE-FI my home with could not help me. They said that the current mortgage company wants to refi the home at appraisal price but they still want the interest to be added as a second mortgage at the same time. As of XX/XX/XXXX I received a letter from my current mortgage company/debt collector stating that starting in XX/XX/XXXX my payment will be XXXX. More unexplained fees. At this point my husband I cant afford to pay these amounts & we feel that this a predatory loan situation. Please help us resolve this matter & save our home. 
Lastly my current mortgage company/debt collector offered me XXXX to sign a mortgage document that was not signed when my husband & I originally went to closing in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I was affected by the National Disaster in XX/XX/XXXX, I was employed in a Federally Declared National Disaster Area due to the CA Wildfires. I am in contact w my first loan servicer and previous servicer to obtain disaster assistance I previously applied for, which has been affected as a result of my loan servicer transfer. I advised SLS that was in the middle of applying for assistance based on the disaster and that I was affected prior to SLS beginning foreclosure proceedings. I also requested an assistance package which I never received. Now I have a pending sale date at the end of this month, XX/XX/XXXX, which SLS advised me was an option on my account.

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 2019-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: H. Kent Hollins, Attorney at Law, P.A
State: NE

Complaint narrative:
I didn't know anything happened until I got my direct deposit and noticed I was missing a huge amount of money. A couple of days later I got a letter in the mail from my human resources office of a copy of a court ordered garnishment. The paper showed my maiden name ( XXXX XXXX ) and an address in XXXX, Florida ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX ) in which I've never lived or have ever been. I also noticed that my own human resource office gave these people my current address without my consent or informing me of this. I never got a chance to exercise my rights of this claim/judgement/court order as I didn't know anything about it. I also noticed that the original creditor is XXXX. The only XXXX I know is a gas station, and if I ever owed them anything that wouldve been over 20 years ago, which is well past the statue of limitations. So here 's the information on the copy of the paperwork : PREPARED BY : H. KENT HOLLINS # XXXX ATTORNEY AT LAW, XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX ( XXXX ) XXXX TOLL FREE ( XXXX ) XXXX FAX : ( XXXX ) XXXX ATTORNEY FOR THE PLAINTIFF -IN THE DISTRICT COURT OF XXXX COUNTY , KS XXXX JUDGEMENT CREDITOR VS XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX JUDGEMENT DEBTOR XXXX XXXX ATTN PAYROLL DEPT, XXXX XXXX XXXX XXXX , ( XXXX ), XXXX XXXX GARNISHEE PURSUANT TO CHAPTER 61 OF KANSAS STATUES ANNOTATED CASE NUMBER : XXXX REQUEST FOR WAGE GARNISHMENT {$1000.00} DATED : XX/XX/2019 *SAID THAT THE ALL PARTIES WERE TO BE NOTIFIED/RECEIVE A COPY OF THIS GARNISHMENT ORDER IN FOR AN OBJECTION WITHIN 14 DAYS AND I NEVER GOT ANY COPY OF SUCH OR I WOULD'VE OBJECTED. 
*WRONG ADDRESS, BUT FOUND MY EMPLOYER AND YET I WAS NEVER INFORMED AT ALL. 

EXECUTED ON : XX/XX/2019 GARNISHED FOR : {$260.00} XX/XX/19

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2019, i purchased 5 tickets to an XXXX XXXX Soccer game on XX/XX/2019 for {$87.00}. Once the purchase was completed, the tickets received electronically were different than the seats that i purchased. I contacted XXXX and they refused to correct their mistake without additional fees. I disputed the charge with the credit card company and XXXX immediately voided the tickets and cancelled the order, about a week before the event, without issuing a refund. Synchrony bank says i must return the tickets i do not possess. I have explained this to them twice as well as sent them the required documentation and proof which they seem to conveniently " lose ''. They refuse to let me speak to someone who can handle the problem.

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 2019-08-06 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: HI

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX  XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: S&N Debt Solutions, LLC
State: TX

Complaint narrative:
I signed up with this company to help resolve debt load and pay it off. They collected my money for months and did nothing. It has ruined my credit. Then they finally admitted they only negotiate settlements when they get enough in thier accounts to pay off a debt. It doesn't work like XXXX where they will make payments and help settlement on the accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation