vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
We are encountering a problem with Ocwen Loan Servicing that I believe is of sufficient severity and impact to require the enforcement actions of the Consumer Financial Protection Bureau ( CFPB ). These are problems that never should have started, should have been stopped a long time ago, and are still happening right now in spite of endless consent orders ordering them to stop this behavior. 

Ocwen does not answer its phone and it is not returning any messages while it is at the same time trying to sell our home on XX/XX/XXXX. 


9 calls now : 1. ) Tuesday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 2. )  Wednesday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 3. ) Wednesday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 4. ) Thursday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 5. ) Thursday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 6. ) Friday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 7. ) Saturday XXXX XXXX XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 8. )  Saturday XXXX XXXX  XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE 9. ) Saturday XXXX XXXX   XX/XX/XXXX NO ANSWER, NO RETURN OF MESSAGE We really need help to put a stop to this. It is essential that people be able to communicate with a live person when the servicer is trying to illegally sell their homeespecially when it is illegal. We dont even know if these lawyers who are trying to sell peoples homes even have instructions or any authority to do what they are doing. We have to know what is going on in this situation. We have been continually fighting these problems with Ocwen, and the situation just keeps getting worse. They have been sued a number of times by the Consumer Financial Protection Bureau ( CFPB ) for problems like this, and they are legally required by court orders to handle these issues properlyand to not do what they are again doing right now. This problem is very serious and they are in clear violation of the law. They are ignoring numerous laws and consent orders. The CFPB must enforce these laws and orders. These illegal actions by Ocwen must be stopped immediately by any means necessary. The CFPB must take action to put a stop to this insane situation. No American citizennor anyone else for that mattershould have to go through this kind of experience in a civilized society.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
when i first open my mortgage account with XXXX XXXX mortgage who sold to amerihome mortgage. i was informed that i had to sign up for automatic withdraw. i did that and somehow between the time that i filled the paperwork out and faxed it back to amerihome and they incorrectly set up the account. i called several times as i then received pre-foreclosure and found out that my account was not paid as i requested. I spoke to a supervisor, XXXX, to catch up with the payments. the supervisor informed me that i have received incorrect form in the mail for the auto withdraw. at that point i was able to get the correct form and it is completed. She also informed me that my credit would not be affected, yet it is. Attached are the two forms that i completed,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I currently have a auto loan with XXXX, and I wasnt aware until Saturday XX/XX/2018 that my balance and payments has not been updated in one year, and due to this I was denied an auto loan with XXXX, including trading my current car because XXXX thinks Im one year late and my car is in repo status. It also shows my first auto loan with XXXX, that i only made 5 payments and i had the car for approximately 15months. So this isnt reporting correctly from XXXX. With this being said, I need my old auto loan that was paid in full and no late payments and my current auto loan with XXXX   updated, with all payments and current balance to all 3 credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 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: FL

Complaint narrative:
Transunion and XXXX Credit Reporting Agencies are reporting late payments on my student loans with XXXX in XX/XX/XXXX and XX/XX/XXXX, when these loans were place on deferred status during this period and also on forbearance for other periods of time. I have over six student loans and I have never been late with these loans. I have disputed the information for the last two years, with no success. These late payments are impacting my credit and I can't seem to receive any help from TransUnion or XXXX. 

XXXX is also reporting a collection account for a physician bill that was recently added after I filed bankruptcy with the original creditor. I have disputed with XXXX   several times, with the information still remaining on 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 2018-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I attend a school by the name of XXXX XXXX XXXX XXXX in XXXX XXXX FL in XX/XX/XXXX right before graduating the school dropped many of us who had perfect attendance and good grades requested us to go to a office I didnt think nothing of it because the dean said it was something the loan company asked them to do so they made us all write on paper. Our current situations to pay an additional payment after being dropped for no reason that it was just encase if the loan company needed it or we couldnt attend school anymore so I wrote one it was a sloppy note because I was upset at getting dropped with good grades and coming to school everyday later after graduation I got a extra bill that I owed and additional {$6000.00} to pay separately not including my student loan with XXXX XXXX my first payment was extremely high than I ever had from any of my past loan. 

Something around {$170.00} a month I stayed in contact begging and pleading to please lower my payments as I had not found work in my field for 2 yrs of searching my diploma was no good to me which in return me and my kids were evicted and had to live on the streets as time went by I would call again to ask for a forbearance or something 2yrs I sent out XXXX resumes a month and was told my diploma with XXXX XXXX XXXX XXXX was not valid. 

I and my children had to relocate because we couldnt even get house for low income because of the daily posting on my credit from XXXX XXXX Navient it is XX/XX/XXXX and Im steal struggling with these people to get them removed and loan dismissed all together I am XXXX XXXX XXXX and feel the choice I made to start a new Career back in XXXX was the biggest mistake I could have done my children are affected Im affected emotionally our grandparents past way and we couldnt see them because of the forced relocation of a better life we lost our valuables when we were evicted nothing but the clothes on our backs. 

Thank you for taking the time to investigate theses people because they dont realize what they have done to a lot of people or how they displaced many looking for their dream of being XXXX XXXX XXXX that was never any good.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI

Complaint narrative:
When called XXXX to be taken off list SSN was required to continue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: FL

Complaint narrative:
XXXX and Equifax Credit Reporting Agencies are reporting late payments on my student loans with XXXX in XX/XX/XXXX and XX/XX/XXXX, when these loans were place on deferred status during this period and also on forbearance for other periods of time. I have over six student loans and I have never been late with these loans. I have disputed the information for the last two years, with no success. These late payments are impacting my credit and I can't seem to receive any help from XXXX or Equifax. 

Equifax is also reporting a collection account for a physician bill that was recently added after I filed bankruptcy with the original creditor. I have disputed with Equifax several times, with the information still remaining on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
us bank is the problem i had gone in to be put on my mom 's account as a poa, they did not accept the legit paperwork but the problem is i told the branch office where i had been in the first place NOT to run my credit because i did not need a line of credit all i wanted was to be the poa for my mom, XXXX took it upon himself to run the credit report and he did not tell me. i saw it on my credit report for a XXXX line of credit, i closed that account right away i filed complaints with the credit companies explaining i never authorized this and now it has lowered my score and will stay on for several years, i have asked us bank to remove it completely from all credit bureau and they have not cooperated, i called the branch and i called the XXXX number on the credit report and nobody has responded back to me. 
us bank can not do that because i never authorized that. now they took it upon themselves not to put me as poa on my mom 's account and did this line of credit that i did not authorize and did it behind my back, i told XXXX DO NOT RUN MY CREDIT, i had no interest in a line of credit, they are not coorperating with taking this off my credit reports, us bank should be completely off my 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 2018-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I made a payment on XX/XX/XXXX for my bank of america account and i received verification via email. 
The next day I was charged a late payment fee of {$27.00}. 
I was not notified until XX/XX/XXXX that they payment did not go through. 

This was paid on time. I am not responsible for any bank errors.

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 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I currently have a auto loan with XXXX, and I wasnt aware until Saturday XX/XX/2018 that my balance and payments has not been updated in one year, and due to this I was denied an auto loan with XXXX, including trading my current car because XXXX thinks Im one year late and my car is in repo status. It also shows my first auto loan with XXXX, that i only made 5 payments and i had the car for approximately 15months. So this isnt reporting correctly from XXXX. With this being said, I need my old auto loan that was paid in full and no late payments and my current auto loan with XXXX updated, with all payments and current balance to all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
National Credit Systems is reporting an inaccurate negative account on my credit profile despite me never legally having a contract with the company. The invalid claim was used as a scare tactic to coerce me into paying a portion of a debt owed by a former roommate after move out. The roommate was originally set a letter from this company requesting payment. The original letter was not addressed to me and did not reference me or any balance I owed. I was contacted by the company over the phone after they failed to collect money from my former roommate and was coerced into paying half the debt after being told they would take negative action on my credit profile. After discussing the situation with legal aid I contested the charge with my credit card company and informed National Credit Systems they would have to collect the money from the roommate directly as the debt was not mine. The company then reported the full balance of the debt against me and threatened legal action if I did not reverse the disputed charge so they could collect the money. After fear of further repercussion I reversed the dispute and allowed the company to keep the money charged to me. Requests to have the company remove the reports since then have been rejected despite me never originally being responsible for the full debt owed. I have disputed the claims on all three credit bureaus in hopes of having the reports officially removed from my profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I made additional payments on these accounts with the original creditors which the collections agency is not considering in their accounting. I have advised the company of this fact twice, but they have neither researched my complaint nor even acknowledged my statements to them. I am asking them to reach back out to the original creditors to verify the last balance is accurate. Every time I dispute, the collection agency merely sends me a copy of monthly statements but that does not help me discover the payments posted after the 60 day delinquency date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: PA

Complaint narrative:
I requested deferment from XXXX, my loan servicer, through my graduate school, the XXXX XXXX XXXX at XXXX XXXX. I knew I was graduating in XX/XX/XXXX, and requested multiple times to be placed off of deferment ( there are records of this ), in XXXX and XXXX ( XXXX I believe based on attached form ). I called and spoke to representatives asking what I was to do to avoid capitalization of my loans and the best thing to do with my interest since XX/XX/XXXX ( I ended up just paying the outstanding portion of my interest in case ). The problem then became that, I was stuck in deferment from the months of XX/XX/XXXX toXX/XX/XXXX which was AFTER I graduated. I then requested again out of deferment, and signed a deferment waiver form, in XX/XX/XXXX, to be placed out of deferment. Oddly enough, the XXXX XXXX XXXX finally fixed my enrollment status and reported it to XXXX. Little did I know I was charged {$180.00} in capitalized interest, with NO notice whatsoever, based on the interest that should have been accruing during those two to three months. They stated this was a " forbearance '' and there was nothing they could do about it. 

My point is A ) My school and the loan company knew full well this would happen, and told me nothing about it in writing or online communication and B ) I received no notice about the late money. C ) Finally I was unaware, and STILL am, of how I could have, or done anything to prevent that {$180.00} from capitalizing, and ending my deferment any sooner. In other words, because of another person 's mistake, I am charged {$180.00} ( this is obviously not about being " fair, '' it's about allocation of interest and where it should go. ). I have never been in default and always pay my loans on time. In fact I've paid down my first loan already. So paying extra interest which was was unknown to me is startling and an unfair business practice. 

Please see attached forms, as I was in repayment not only in XXXX, but also in XXXX, as seen in the form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I made additional payments on these accounts with the original creditors which the collections agency is not considering in their accounting. I have advised the company of this fact twice, but they have neither researched my complaint nor even acknowledged my statements to them. I am asking them to reach back out to the original creditors to verify the last balance is accurate. Every time I dispute, the collection agency merely sends me a copy of monthly statements but that does not help me discover the payments posted after the 60 day delinquency date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a Capital One Credit Card that was open from XX/XX/XXXX-XX/XX/XXXX. I went through a financial hardship in XX/XX/XXXX and in XX/XX/XXXX. I was diagnosed with XXXX XXXX and had to miss work on these two separate dates for a hospitalization and was late on 2 payments in the amount of {$37.00} and {$40.00}. I since closed the account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Since XX/XX/XXXX, this phone number that I inherited from my deceased mother in XX/XX/XXXX has been the subject of various collection agencies always seeking someone named " XXXX XXXX '' whom my mother and I never knew, did not know, and believe is someone who used this number as an erroneous contact number. 

The other debt collectors called and when spoken with, gave up the chase although one did briefly freeze MY bank accounts as a means of forcing me to provide information, which I did not have. They gave up. 

However, since XX/XX/XXXX, Diversified Consultants out of XXXX XXXX, Florida, have called every weekday, sometimes more than once and when given the opportunity to leave a full name, detailed message, and a legitimate callback number, failed to do so. We monitor our calls so as to avoid excessive telemarketers, which even the Federal Do-Not-Call Registry fails to stop. Had they provided the requested information, I would have either picked up or called them back but they call and hang up or are blocked. 

When I filed complaints with the Federal Do-Not-Call Registry and the FCC, they changed their phone numbers up but still do not leave the requested information. 

After a couple of months, I began blocking their calls so they then used numerous other numbers. I researched the numbers online and discovered that they were Diversified Consultants, a company with a notorious reputation for debt collection. 

Numbers they previously used : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ; Numbers they now use : XXXX, XXXX, XXXX, I will not speak to these people as every opportunity they have had to be civil and leave the requested information so I could either speak with them or return their call and tell them my wife and I do not for whom they seek, they never leave the info and just call. 

My wife and I owe no past debts and the debts we do have, we are paying. I believe these people will not leave messages because they seek to get some victim on the line and then go into bully mode. I will not fall for this type of treatment. Please stop them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Netspend Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX I made a purchase on XXXX a.k.a XXXX XXXX expecting to receive my merchandise in return. However merchants never sent my merchandise and took my money for fraudulent purposes of person gain. I disrepute this matter with my banks nothing this has caused serious problems of my funds been low as well as fee with my bank. 

XX/XX/XXXX XXXX  confessed and refunded my funds which caused my funds to be low and access fees However netspend is engaging in this fraud and leaving all fees related to this matter from XX/XX/2017 and the present. 

I contacted net spend and followed the chain of command of speaking to the supervisor and manager noting this fraudulent activity in I shouldnt be responsible for fees involving fraud netspend refuse to assist leaving multiple fees 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