vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My husband, XXXX, and I have submitted several complaints through the CFPB. Each time Wells Fargo comes back and claims they did nothing wrong. We are seeking help from the CFPB. We do not qualify for programs for the lower income folks. We are not minorities. We are XXXX  upper middle class, educated people who were taken advantage of by Wells Fargo. 
We were victims of predatory lending in XXXX. We refinanced our home because we needed cash to pay down some of our credit card bills. As you are aware XXXX was right before the market crashed and our home was not worth what we refinanced it for. Wells Fargo put us in a 40 year loan at an interest rate of 9.63 %. They knew when they did it that we would never be able to pay it off. They knew it was a bad deal and they were smug when we signed the documents. 
In XXXX I had to take a different position because the economy had gravely effected my business. In XXXX my husband was unexpectedly laid off for a year. He was the major bread winner of the family. We tried at that time to work with Wells Fargo. Every time my husband spoke to them they talked about a new program ( HARP ) coming out that we may qualify for. Well as time went on we missed payments and had racked up credit card debt. In XXXX we received a foreclosure letter. We took money out of our retirement to pay up so we wouldn't lose the house. In XXXX of XXXX Wells Fargo foreclosed on us. 
Currently, I have been working dilligently to pay off credit cards. I have gotten our credit scores up to the 700 's. My husband had been rehired by his company a year later and is still there. I have been working for the same company since XXXX of XXXX. 
I am XXXX and my husband is XXXX. We plan on working another 8 to 10 years. We would like to buy a home and can not wait 7 years. We can't afford a lawyer to individually go up against a giant like Wells Fargo.

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 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/19. In the week before XX/XX/19 I logged on to my Capital One account to pay my monthly bill. C1 's 1-time security pin for log on was sent, as usual, to my email account ; I logged on successfully and paid my bill. 
XX/XX/19. I attempted to log on to my C1 account and found that C1 had removed the option for email delivery of a 1-time log on security pin, leaving text/voice delivery to my phone. C1 HAD AT NO TIME INDICATED THAT DELIVERY OF A 1-TIME SECURITY PIN TO EMAIL WAS TO BE DISCONTINUED. I had admittedly omitted to inform C1 when I changed my phone number four years ago. On XX/XX/19 I phoned C1 to inform them that I could no longer log on to my account due to 1 )  THEIR REMOVAL OF EMAIL TO RECEIVE 1-time log on security pin and 2 ) change 4 years ago of my telephone number. I requested that C1 update my phone number. The clerk indicated he would indeed update my phone number. 
XX/XX/19. Still unable to log on : phone number NOT UPDATED, no option to receive 1-time log on  secure pin via my email. C1 asked for my drivers license as proof of identity and said it would phone me in 72 hours to resolve inability to log on to my account. My case number for providing my drivers license ( which I did ) and communicating to C1 on this issue is # XXXX. 
XX/XX/19. I have not heard from C1. I wrote to C1 indicating I would not be responsible for late payment of XX/XX/19 ( please note I pay my bill IN FULL monthly ) as I can not log on to my account. 
BOTTOM LINE : C1 changed its online User Interface and log on procedures without warning ; I have been prevented, now for 2 weeks, from logging on to my account and paying my bill of XX/XX/19. I clearly can not get any resolution from Capital One. Please advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
In XX/XX/2017, XXXX/ XXXX switched to another loan company XXXX ( XXXX XXXX XXXX , XXXX ). It has been a mess since the switch. I have called them multiple times to please send me monthly statements either via email or via the mail. I have called them multiple times almost monthly and I can not get this resolved. When the bill is not paid because I do not know when to pay the bill, they report me as late and my credit is adversely affected. This practice is unfair. At a minimum, I am entitled to a bill via email or text at a minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
They are very XXXX this bank is horible with my Im a victim of Id theft and they refuse their is a guy their XXXX with the fraud dept refuse to help me saying I can never have an account when I filed my complaint with this company about it their president sent me a letter apologizing Telling me I can apply for a card with no problem well i just did and they are XXXX saying no that I cant and thats as high as it will go this bank has to be shut down they treat me like XXXX they approve me then say they made a mistake horible customer service they dont agree with what I say complete dishonest bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
As of XX/XX/XXXX I have been requesting proper verification such as contract for this account this company MIDLAND FUNDING has attempted to sue me in a state I no longer reside in nor have resided in as of XX/XX/XXXX. One case was initiated in XX/XX/XXXX in the state of New Jersey and another one on  XX/XX/XXXX. You did not give me any notice of these two account nor allowed me to properly dispute my information. I have been a XXXX XXXX XXXX since XX/XX/XXXX in the state of XXXX. Someone FRAUDULENTLY signed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13 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: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
Unknown hard inquiry on credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
This company says they are called Loan Depot. They are calling for a person named XXXX and have disclosed to me his is approved for a loan application this person submitted. I informed them repeatedly they have the wrong number, but they continue to call me daily and multiple times daily. This is just one phone number they used. I also have numbers from XXXX, XXXX, XXXX and XXXX. Today at approximately XXXX EST was the most recent one, from a representative named XXXX. The last one i can recall picking up as a couple days ago from a rep named XXXX. Each time they call they also state the call is a recorded line, so I'm confident they have an internal system of record that shows when and how often they have been calling. 

It is not only harassing, but predative lending too based on the person they are trying to get ahold of ( XXXX ) about a loan application, and the frequency of harassing phone calls. If XXXX wanted a loan, then that person probably would have given his phone number, not someone else 's. I am not XXXX. For the sake of CFPB knowing, my first name is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: LD Holdings Group, LLC
State: SC

Complaint narrative:
On XX/XX/2018, I contacted Loan Depot ( XXXX/XXXX XXXX ) to  inquire about mortgage interest rates being offered. I informed the agent that I did not want an inquiry conducted that would show up on my credit report and was assured that it would not due to the fact that I had previously went through the process with another mortgage company. The agent instructed me that all mortgage inquiries conducted within a 45 day period would only count as one inquiry. After checking my credit report, I see that each inquiry related to mortgage loans is treated as a separate hard inquiry. There were a total of three hard inquiries within a 30 day span that had a negative impact on my credit score. I feel misled by this company and would like to have this inquiry removed from my credit report, if possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please be advised that I've been working with TransUnion LLC since XXXX of XXXX to fix and correct all information on my credit file. But as of today XXXX of XXXX. TransUnion LLC as failed to follow the procedures of the FCRA. TransUnion LLC has been reporting misleading, unverifiable, incomplete, erroneous, fraudulent, inaccurate information, and old none relevant information with no physical copies documents to show proof of illegal reporting on my credit profile. Because of TransUnion LLC negligence I am suffering at a tremendous financial hardship. TransUnion LLC is clearly breaking federal & state law by continuing report these accounts on my credit report and it needs to be addressed and corrected at once.

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 2019-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I open an account with Wal Mart on XX/XX/2010, unbeknown to me they also enrolled me into a Card Security Program without my consent. I enrolled into Wal Marts online billing, and the would send me what I owed though my email account and I would pay it! A couple months ago I forgot my online password, and requested that Wal Mart to start mailing out my statement to me again. After receiving my statement from Wal Mart I notice where they were taking out for this service, that I never asked for. I called there Customer service, and asked about how and when did I sign up for this service? All the Representative could tell me is that is was a mistake and they would refund my money. So my next question was to Wal Mart was were they going to reimburse me on the interest fees they been charging me over the last nine years, that my account been open? They answer to me was all we can do is return a couple of late fees you had occurred, ( WHAT )? I told him as a disable veteran who does not have a lot of income, I need all the help I could get! This manger was not very caring or helpful in trying to resolve this issues. So if the did to me, how many other consumes, have experienced the same problem I have? Just wondering

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 2019-03-13 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Unknown hard inquiry on credit report on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One calls outside of legal hours and when questioned on this abuse, they claim that they do not have control over their own auto-dialing system. I have documented at least one instance when they called after XXXX XXXX EST. Instead of acknowledging their violation of the law, they attempt to collect a debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I started to look closely into my credit reporting due to some inaccurate information and came across Toyota Motor Credit. On XX/XX/XXXX they attempted to serve and sue me for the amount of {$3700.00}. This account was a joint account, and they are coming at me even though this debt belonged to the other party XXXX XXXX XXXX XXXX XXXX, who had filed bankruptcy in 2018. According to NJ eCourts records show that on XX/XX/XXXX, USPS had received a signature, but I have not resided in the state of NJ since XXXX. There were fraudulent charges made on this account and I did not have possession of this vehicle, I was simply the co-signer. I should not be responsible for someone else 's failure to make her payments and have her not pay anything due to her bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XX/XX/XXXX I purchased a 2nd mortgage on a property. At that time I obtained a mortgage payoff statement on the 1st mortgage from OCWEN, who services the 1st mortgage. The report shows {$340000.00} due as of XX/XX/XXXX. We also have a payoff statement on the 1st mortgage from XX/XX/XXXX which shows {$350000.00} due. 

I then spent tens of thousands of dollars foreclosing on our defaulted 2nd mortgage, paying OCWEN the monthly payment on the 1st mortgage, taking possession of the house, and listing the house for sale. Now the house is in escrow and OCWEN is quoting {$590000.00} for the payoff. I called XXXX XXXX in OCWEN 's escalation 's department on XX/XX/XXXX and she would not provide any explanation for the discrepancy. She suggested I submit the deed showing I own the house so I can get authorized on the account, which I did. It is now over a month later and OCWEN has not provided any explanation for the discrepancy or authorization to me. I have called XXXX back a few times and have also called XXXX XXXX, in OCWEN 's office of the Consumer Ombudsman and they never return calls. 

OCWEN is causing me to lose thousands of dollars by holding up this escrow and they are not honoring their previous payoff quotes while we are trying to pay off their loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Unknown hard inquiry on credit report on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Again today my payment of {$1000.00} is being held. I call number and always get voicemail and no one returns my call.

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 2019-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have discovered there is Fraud in regard to a certain " Uniformed Secured Instrument '' / " NOTE '' associated with my loan/ mortgage. It has come to my attention that there has been a failure for " Navy Federal Credit Union acting as Trustee '' to disclose information to myself as a consumer for financial gain. " Navy Federal Credit Union acting as Trustee '' is involved in the illegal transfer on my Estate/Property, where documented fraud has occurred.This matter has been thoroughly investigated & will be personally delivered to the FBI, The Pennsylvania Attorney General Office, the Secret Service and all agencies for investigation and prosecution, resulting from violations of Federal Law including, but not limited to, COUNTERFEITING and CONSPIRACY TO DEFRAUD. It has come to my attention that " Navy Federal Credit Union acting as Trustee '' is in possession of a counterfeit " Security Instrument '' or " Uniformed Secured Instrument ( s ) '' that allegedly relates to my property, which was used to predicate/ claim standing to a foreclosure action and obtain a judgement the favor of " Navy Federal Credit Union acting as Trustee '' and reached the point of a sheriff sale of my property on XX/XX/2017 to collect said " alleged debt ''. The security instrument is not the original underlying " wet inked '' Promissory Note/ Negotiable Instrument Pursuant to Article 3 of the Uniform Commercial Code. Mortgage loans are Governed under Article 9 of the UCC only of the mortgage passes as an incident to its underlying debt. The security instrument that " Navy Federal Credit Union '' has is " unenforceable '' as it has no governance since it describes itself as a mortgage loan that is secured by the original mortgage only, and further describes itself as a " security instrument ''. " On its face '' this document has no negotiability pursuant to Article 3 of the Uniform Commercial Code, and there has not bee a presentment of the original wet ink signature copy of a verified authenticated copy of the original attached to the complaint in the foreclosure proceedings, providing the signature on the documents submitted was signed by my hands and is not a forgery, whereby the use of this counterfeit instrument to collect a debt is unlawful and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
XX/XX/2019 My office received a call from Prosper. The person called from an XXXX number. The staff member was asked if this was XXXX and because it was a business phone and I am the manager and she was screening my calls, she said yes and without identifying the company calling or confirming my identity they proceeded to speak about my personal loan payments.

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 2019-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affiliated Creditors, Inc.
State: TN

Complaint narrative:
The collector is trying to collect more than is owed to XXXX XXXX, I owe XXXX they are trying to collect XXXX They also claim that I owe XXXX XXXX XXXX I did contact XXXX XXXX, I was told that I do not owe them any money. 

The collection agency is Affiliated creditors inc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
A medical bill was outstanding in which my health insurance covered services for. XXXX issued an appeal instructing the billing medical facility to re submit the claim but they did not receive it and placed the account in collections. The collection agency refused to acknowledge the dispute and demanded payment on two different phone conversations. Their written correspondence in this matter is incredibly insulting and discriminating by asking me to contact a rep named " XXXX XXXX ''. To me this is a business matter and insinuating I am scandalous and avoiding my personal business is highly unprofessional. Furthermore I have no idea if they have actually disputed the debt. I have contacted the insurer and original facility billing us and XXXX agreed to process the claim and issue payment. I have a valid dispute and the collection agency did not process it correctly nor communicate acknowledgement or a professional process for the dispute.

Company response to consumer: Untimely response