vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
This is another complaint with # XXXX. Please see the history by reviewing the initial complaint. However, I've been trying with patience to have the re-modification loan completed and to be reviewed by the underwriting team but I have run into several difficulties. The underwriting team seems to be very unorganized. They will asked for information and I will give them exactly what they ask for and then I will get a call stating they have not received the information. I then request the representative to look through the information and then the information is found. This happen on XX/XX/XXXX because I was told to re-submit the bank statements and the paystubs because 90 days had laps. As of now, PHH still states the underwriting team has not yet received the information that was sent on XX/XX/2019. Also, I requested for a payoff amount for the loan on this date as well. I have not received this information after being told an expedited request was being sent. Between Ocwen and PHH I don't know which is the worst company. I believe some type of intervention is needed. These two companies have not done a very good service for the home owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
On XX/XX/2019 they have received all the documents they need for the short sale review and they will only be able to make a decision on the account once the appraisal is completed. We have requested for callback from the POC but then the callback was made after XXXX EST. 

We have been checking for updates everyday and we only have found out on XX/XX/2019 that the appraisal has returned on XX/XX/2019 and up until now their is no new update.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Cashing a check issued by a company through Wells Fargo has exposed a fraudulent practice by Wells Fargo. I was asked to provide 2 forms of ideas, my driver license and XXXX XXXX XXXX card was provided, then the teller asked me to place my thumb print on the check. I refused to do so, simply because my print is personal, I explained to her that finger print is no different than my DNA, and I don't have to provide it to you. She refused to cash my check, then asked for her manager to speak to me. Spoke to her manager ( XXXX XXXX XXXX /Service manager ) she also refuse to cash their check without my thumb print, then said " maybe you should go to your XXXX XXXX  XXXX to cash all your checks '' I perceived her commend as a total disrespect. I then spoke to the branch manager  ( XXXX XXXX ), once again I was refused to cash their check without thumb print. It is my understanding and through the Consumer finance web site, there is no law permitting any bank institution to demand any citizen to provide finger prints in order to cash a check. This would be a direct violation of my privacy right. I will pursue this issue all the way to our land 's supreme court if need be, and see it being correct to where no financial institution is permitted to demand citizens of this land to provide their finger prints just to cash a check.

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 2019-07-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've been looking for help for some time now with some accounts on my credit that I don't know anything about. I have reached out to the FTC and my local police department and I am doing this on my own behalf. It's sad that I can't even get approved for a house because of this. Again can you have these accounts removed and the inquires that I know nothing about. I have not ran my credit in a long time. inquiries : XXXX XXXX XXXX, XXXX XXXX GA, XXXX XXXX XXXX XXXX, MICROBILT Here is the accounts : Bankruptcy : Dismissed CH-XXXX ( I don't understand how someone can file a bankruptcy. I've spoke with the Bankruptcy Court and they told me there is not a bankruptcy in the courts under my social security number ), 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. I don't know if you can help with my these address I know nothing about. 1. XXXX XXXX XXXX XXXX  2. XXXX XXXX  XXXX  3.XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My student loans reflect as ok for one month and jump to 90 days late the following month. I don't understand how you become 90 days late in a 30 day period. I've disputed this with all 3 credit reporting agencies. On XX/XX/XXXX I received notification that my dispute filed with one credit reporting agency has been completed. While reviewing changes made to my payment history, I noticed they only corrected one month, XX/XX/XXXX but changed XX/XX/XXXX to 90   days late so nothing was actually fixed. The reporting reflects incorrectly jumping from ok 1 month to 90 days late the following month going back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: GA

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly lates on the XXXX partial account numbers - XXXX ; XXXX and XXXX. ( Please see pages 20, 21 and 22 of the attached credit report. ) I consolidated these loans and was making my monthly payments. I was sent a notice saying that I was late on payments. The payments I was making did not get credited to the right accounts and consequently it caused the lates on my credit report. This accounting error was not my fault. I was told by a representative that they would correct their accounting error and remove the late payments. This has not happened. I have contacted the ( 3 ) bureaus to fix this inaccurate reporting which is harming my credit score. Please remove the lates 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 2019-07-09 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: GA

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly lates on the XXXX partial account numbers - XXXX ; XXXX and XXXX. ( Please see pages 20, 21 and 22 of the attached credit report. ) I consolidated these loans and was making my monthly payments. I was sent a notice saying that I was late on payments. The payments I was making did not get credited to the right accounts and consequently it caused the lates on my credit report. This accounting error was not my fault. I was told by a representative that they would correct their accounting error and remove the late payments. This has not happened. I have contacted the ( 3 ) bureaus to fix this inaccurate reporting which is harming my credit score. Please remove the lates 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 2019-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: TX

Complaint narrative:
Hi I applied for a credit card with unionbank and it was on hold and I called in and I verify information with the credit card underwriting rep and it was declined due to not verify information but yet I received a call from union bank and I had a active fraud alert and I Verify my information with the rep and today I received a letter saying my application was declined because I didnt verify information and I called unionbank today on XX/XX/XXXX and the lending rep was rude to me and told me I didnt answer the questions right and I explain to him there is no questions was answer to me at all ... and I would like this application XXXX to be reopen by a supervisor

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 2019-07-09 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.

Complaint narrative:
Hi All, I am writing this email in great distress and I am forced to include the global senior leadership in the email because of the attitude that Citi Bank XXXX carries towards its customers. The services are a complete shambles and I would not expect such type of services from a brand like Citi Group. 
To begin with, I received an SMS on my mobile number on XXXX XX/XX/2019 stating that a transaction of XXXX   XXXX has been processed on my account via XXXX. This transaction was not done by me so I immediately called Citi Bank and requested them to look into it. 
The lady on the phone raised a dispute and I was advised to raise a police complaint. I emphasized that I am presently travelling so it is not possible for me to visit the police station. Next, I requested her to escalate the call since I didnt get the help. I was told that she will not be able to transfer me to a manager. I informed the lady that she can not deny an escalation to the customer. This is when XXXX XXXX ( Emp ID XXXX ) came on call and the manager was again not a helping guy. He did raise a dispute with ID XXXX but he said he cant commit anything to me. On repeated request of escalating the call, there was no escalation. I was told I will get a call back by his senior manager. I did receive a call back on XXXX XX/XX/2019 at XXXX XXXX and I informed the escalation team that since I am in a meeting, they need to call me back in an hour. With a promise to call me back in an hour, the lady disconnected the call. I still havent received the call. I am not sure if this level of customer services is restricted to XXXX clients or if that is the global service level. 
Citi Bank allowed a transaction without an OTP and it further refused to help. I am sure that this mail is going in trash as well since you guys do not care about the customers and the issues. In this email, I am requesting you to address the issue, listen to the call recordings and take action. This is certainly the worst customer service team I ever dealt with. I ended up calling XXXX Support and the lady on the phone was much more helpful than the senior manager from Citi Bank. I was not given a resolution, I was denied escalation and I was not given the contact ID for XXXX Officer after repeated request. 
All this has caused a massive amount of mental agony and distress to me. I am also reporting this to Ombudsman since Citi Group fails to keep the commitments. 
For your reference, the credit card number is XXXX XXXX XXXX XXXX and my contact number is XXXX XXXX ( just in case someone decides to deal with the issue Thanks XXXX 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 non-monetary relief
Consumer complaint received 2019-07-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
***CFPB - DO NOT CLOSE AS " DUPLICATE '', THIS IS THE SAME BANK BUT A DIFFERENT ACCOUNT***!!! 

On XX/XX/2019, I received an e-mail from the Bank with the subject line " Welcome to e-Bills from Bank of America Credit Card ''. It stated " Your Bank of America Credit Card bills have been set up to be delivered to you electronically through Online Banking '' and that billing has become " paperless '' or " electronic ''. I never authorized this - in fact - this has happened before, and I have complained to the Bank and given them a specific and exact instruction to never do this again. In the past, they apologized and did continue to send paper bills, but now they are pushing - again - for paperless without my consent, against my direct order and in violation of law. In this instance, I again informed the Bank that I DO NOT want paperless or electronic billing and will continue to receive my bills ON PAPER BY MAIL.

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 2019-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Paypal credit offers a deferred interest option if paid in full. 
I used this option and made payments over min balance. 
No money was applied to deferred interest options! There are no instructions on my statement or the web portal or the agreement on HOW to make payments towards deferred interest options. 
When making payments on the webportal, there is no option to pay towards deferred payment. 
Any money over min balance was not applied to any promotional purchases. this is unethical as the interest that is deferred is being accrued and will dump!

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 2019-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've been looking for help for some time now with some accounts on my credit that I don't know anything about. I have reached out to the FTC and my local police department and I am doing this on my own behalf. It's sad that I can't even get approved for a house because of this. Again can you have these accounts removed and the inquires that I know nothing about. I have not ran my credit in a long time. inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX Here is the accounts : Bankruptcy : Dismissed XXXX ( I don't understand how someone can file a bankruptcy. I've spoke with the Bankruptcy Court and they told me there is not a bankruptcy in the courts under my social security number ), 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. I don't know if you can help with my these address I know nothing about. 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.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 2019-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: CA

Complaint narrative:
At around XXXX this XXXX I got called by a " XXXX XXXX. '' He called from ( XXXX ) XXXX. He identified himself as being from " Capital Management Services L.P. '' after I asked. I asked him to take my name and number off their list. I found out through " XXXX '' that they potential fraudsters and scammers. See this URL for example XXXX XXXX XXXX/XXXX.

As a victim of identity theft, I am now cautious when contacted by anyone via the telephone. Apart from student loans which are in deferment and credit cards which are all current. I do not owe anyone any monies whatsoever. So if this was an attempt to collect a debt it was illegitimate.

I did leave a message for them at their website. XXXX XXXX XXXX Asking them not to contact me. I also sent them a fax at XXXX XXXX at ( XXXX ) XXXX. I have confirmation of it.

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 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: WI

Complaint narrative:
This company MRS BPO , LLC claims that I owe them {$640.00}. 
I have no knowledge of this company. 

XXXX XXXX was paid directly from my XXXX account. 
We further disputed the claim from XXXX XXXX. 

We switched our phone service to XXXX - and they paid the cancellation bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have had my account charge {$35.00} over draft fee numerous times when I know I had enough money in my account. Latest over draft charges were on XX/XX/19 for 2 charges made on XX/XX/19 for {$7.00} and {$10.00} posted on XX/XX/19 leaving my account balance at {$10.00}. I then put {$20.00} of gas in my car leaving my account at - {$9.00}. As of XX/XX/19 I have a - {$79.00} balance. I had enough money in my account to cover the transactions on XX/XX/19. I did not have enough to cover the {$9.00} I went over at the gas station.

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 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My complaint is with equifax credit bureau i keep dispute items on my credit report and they keep putting things on there from my sons i have XXXX sons with the same name but i am a XXXX and every time i call to get information about my credit they tell me i had the wrong information and wont let me on my credit file it a shame that i have to look at my credit on XXXX XXXX to see what is on their and then they putting all these hard inquires on my credit that i didnt give permission and i keep asking them to update their information when i apply for credit i ask them to run my credit 1 time and they end up sending it to 40 or 50 people

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
Re : XXXX report names does not belong or incorrectly appears in the report Name 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 XXXX XXXX XXXX XXXX XXXX XXXX - Paid in full Disputed XXXX Bank Error ReOccurring as of XX/XX/XXXX as amount owed Balance {$380.00} Date OpenedXX/XX/XXXXActivity Designator PAID_AND_CLOSED Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount XXXX XXXX XX/XX/XXXX Loan Type Secured Date Closed XX/XX/XXXX. 
Date Reported : XX/XX/XXXX Collection Agency CONVERGENT OUTSOURCING , INC . CLOSED XXXX XXXXBALANCE ReOccuring Date XX/XX/XXXX Original Creditor Name XXXX XXXX Original Amount Owed {$400.00} Creditor XXXX XXXX or XXXX Amount {$400.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX dispute with XXXX XXXX paid in full closed the account XXXX XXXX charging customer amount for service not needed. therefore Closed the account/ I do not have cable with them. 

XXXX XXXX XXXX {$120.00} unknown account. Revolving XXXX ( I still have account with XXXX XXXX XXXX been long customer since 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 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I received an automated email from Freedom Mortgage notifying me of a potential breach of my account. 
I followed the notifications instructions and called Freedom 's customer service number immediately. 
The CSR did not understand the situation or my concerns and told me not to worry, and that I should just ignore it because it was probably an error. 
I asked to speak with a supervisor and was promised a call back the next day. 
I did not receive a call so I followed up in writing requesting an explanation of the situation and assurances that my personal, sensitive information was being adequately safeguarded. 
A week passed with still no response from Freedom Mortgage.

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