vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weinman Acquisition Group
State: OK

Complaint narrative:
Most recent XX/X/17 but has been occurring for months XXXX XXXX XXXX ( XXXX XXXX ) claims they are a process server to serve me papers filed with the county. They have attempted to serve me several times and will try one more time. 
They state they will be stopping by my where abouts. 
Nothing is filed in county. XXXX is public record When I called I told them they were in violation of the FDCPA and I would be filing a report they hung up on me stated I cursed, which I never did. I got yelled at saying quit playing the victim, you should n't have married a deadbeat, you just took a XXXX XXXX XXXX XXXX. 
I again stated this is past the statute of limitations ( 5 yr Oklahoma ) but proceed how you need to I will be filing a complaint he said you do n't have my permission. I stated the his permission was not needed. 

I have called them several times to try to resolve the matter and stated this is past the statue of limitations but continue to call, threaten, and harass me and my current spouse who had nothing to do nor ever did with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I spoke to a representative at Bank of America on XXXX/XXXX/XXXX on XXXX occasions. The first XXXX informed me that the extensive holds that they had on my funds XXXX in the amount of {$1000.00} was scheduled to be released to me on today which is XXXX/XXXX/XXXX and checking my account online before going to bed i see where the {$1000.00} was no longer there it was combined with another hold showing {$2700.00} on hold which all of these hold began on a XXXX XXXX deposit in the amount of {$6800.00} that is in violation for holding this long. There is also a hold in my savings account in the amount of {$3800.00}. This has caused a hardship and lot of stress and mental anguish on me.

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 2017-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BorrowersFirst, Inc.
State: FL

Complaint narrative:
I took out a personal loan on XX/X/15 for the amount of XXXX paid over 3 years. To my surprise what I thought was a 24 % interest loan turned out to be will over 46 %. I have paid into it currently {$7400.00}, and I am told I have another {$3800.00} in interest alone, another year to finish, which brings my total to {>= $1,000,000}, {$5300.00} in interest alone, I find that disheartning. I have never missed or been late and find the amount owe egregious and overbearing, especially when considering the amount of interest owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Good Afternoon, I bank with Wells Fargo and have no protection whatsoever on my checking account. An individual sent me money via XXXX XXXX. The individual went to his bank after sending the money and opened a fraud claim. The individuals bank approved the claim and took {$150.00} from XXXX XXXX, and then XXXX XXXX turned around and withdrew {$150.00} from my account. There was no notice of any kind from Wells Fargo. XXXX XXXX just helped themselves to my account as if it were their account. Where is the protection?? Why can a third party just have unlimited access to my account? That is inappropriate and when filing a dispute, I was told that I would not get my money back. Please note that Wells Fargo does not even investigate!

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 2017-11-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am currently refinancing my house. It was brought to my attention that XXXX XXXX Bank student loan on my daughter that I co signed on shows it was XXXX. The amount of the student loan was {$17000.00}. Both companies have indicated that they can not make you pay on a loan they wrote off as a loss and shows on my credit report as XXXX. So I am asking for help to see if they are allowed to make me pay on a loan they took as a loss. 

In XXXX when I was XXXX from my bankruptcy, I was contacted by Wells Fargo and told I had to pay this or they were going to lien my house. I owed the debt and was responsible for it. I asked why they did not correspond during my bankruptcy. They signed a contract is a contract and I owe it. 

I have been paying since XXXX {$170.00} a month because I wanted to build my credit scores. The title companies say it shows I am delinquent XXXX months which is effecting my XXXX XXXX. I have asked for a copy of my credit report. When I went on XXXX XXXX drop down the information on Wells Fargo it shows Closed - Current payment status - In Collections/Charge-off. 

Could I please get some help regarding this situation if they are in the wrong for doing this of discharging it and now making me pay for a loan they wrote off as a loss.

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 2017-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a vehicle back in XXXX and it was financed through Lobel Financial. I was in desperate need of a car with my XXXX children. The salesman was so desperate he sold me a lemon. The car broke down on me on the freeway with my children in it. They repossed the car and have since then have been trying to collect the debt. I know there are XXXX laws against this kind of things to protect me and I want to know my rights and how I can fight this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Called staff XXXX, XXXX agent no information from agent told Ombudsman office handling account left message to have some call me about account issues. 
XXXX Ocwen XXXX, asking XXXX to have agent handling account to call me as customer service could not talk about account. No rep from a Ocwen has called. 
Received doc requesting proof of payments. We sent docs XXXX to Ocwen verifying XXXX / Ocwen issues. Informed the docs were destroyed, per their 5 year rule to maintain records. Despite XXXX XXXX Supporting docs, transferring information / files from previous servicer would be maintain. 
Ocwen XXXX XXXX is a constant predatory and unfair servicer with many facillies in servicing loans, even simple communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX has my account showing written off {$280.00} my account has not ever been in collections or written off by XXXX XXXX. 

I contacted them in which they stated there was nothing written off nor is there any balance to this account or nothing showing written off. 

they mail me a letter stating there is no balance nor does the account ever show late or ever in collections at no time that the account was open.

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 2017-11-08 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: PA

Complaint narrative:
XXXX has my account showing written off {$280.00} my account has not ever been in collections or written off by XXXX XXXX. 

I contacted them in which they stated there was nothing written off nor is there any balance to this account or nothing showing written off. 

they mail me a letter stating there is no balance nor does the account ever show late or ever in collections at no time that the account was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: Credit Karma, LLC
State: FL

Complaint narrative:
Employees of credit karma stole my identity, cards planned that are n't mine, plans changing every other day. They lied about everything, I fixed my credit just for them to sign me up for random credit cards I never asked for or gave permission to use my information to get. Openned an account for this company called XXXX XXXX that I 've never seen or heard of, stated account were open when data on the report states otherwise, says items are delinquent when they report states otherwise and they wo n't fix their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX XXXX, the HR representative for the company I work at, opened a letter, post marked XXXX from Capital One demanding a 25 % garnishment of my wages. I found this out by calling the Law Firm who sent the letter as my HR rep and I could not even figure out what she was supposed to do! I was told that she is to garnish 25 % of my wages and send to them each month! The total debt is $ XXXX and was a judgment filed against me in XXXX! When I told the Attorney I would be happy to make a payment plan with them, I was told I could not until 50 % of the debt is paid via garnishment! 

If I made loads of money, 25 % is a lot of money! Even if I got a second job, I do n't think I 'd be able to recoup and be able to pay my rent and other bills! I spoke with the attorney where I am working who explained that a credit card judgment is obsolete after 10 years so that is why they are trying to collect after all these years! I did not receive any mail from them, I still have not! There was a postcard attached to the paperwork that HR received where I could ask for an emergency hearing, which I immediately filled out and put in the mail. I am just flabbergasted! I am absolutely willing to try to make this right but I ca n't afford to be homeless trying to pay for a very old credit card, and the thousands added for interest and late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Farrell Holdings, LLC
State: UT

Complaint narrative:
XXXX XXXX is the original creditor for my auto loan. I had a life event and unfortunately could n't pay. They have since sold the debt to XXXX XXXX XXXX and now they BOTH are reporting the same debt and attempting to collect on the debt. 
By law 2 creditors can not collect on the same debt at the same time. 
-- -Also the debt is past the statute of limitations!! 
When I call either of them, nobody knows what they are doing and they do n't try to help. I have contacted my attorney as well as filed a complaint with the attorney general. 
They need to fix this. 
The next correspondence will be from my attorney ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: TX

Complaint narrative:
cra violation sent infomation in over XXXX hippa destroyed my life no one is helping me

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 2017-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: AR

Complaint narrative:
US Bank had a promotion where one would open a checking account, complete some requirements, then a {$200.00} bonus would be deposited into that account. 

I have read over their terms, opened one of the listed checking accounts, entered the promo code, and completed the 2x billpay requirement, yet the bonus has not been deposited into my account. The terms stipulated that the bonus would be deposited within 60 days of my meeting the requirement. 60 days have passed and no bonus. 

I emailed their customer support and they confirmed for me that I did indeed meet the requirements for the bonus on XX/XX/17. When the bonus was not credited on that day, I waited longer til XX/XX/17 before emailing their support again. They said they would forward that info along but no progress have been made.

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 2017-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In approximately XXXX, XXXX, I made a reservation on XXXX XXXX for a trip to XXXX using a credit card. I then received an email that if I used XXXX XXXX XXXX XXXX Platinum for other fees, there would be no luggage fees. I applied for the card and was approved. I put my luggage fee on the card but later was told it was only waived if I used the card for the purchase of my ticket. I paid the fee on my card and cancelled the credit card because their agents refused to waive a {$25.00} late fee on a {$25.00} charge and because of the false advertising. 

It has been a nightmare since that time. I got calls every day because they billed a late fee on a late fee which I did n't pay. I then decided not to fight for such a small amount and paid my XXXX bill by the due date of XXXX XXXX, XXXX by mail.It was received by them by XXXX XXXX, XXXX but they did not credit it to my account until Sunday, XXXX XXXX, XXXX and sent me another bill for a {$35.00} late fee plus interest on a {$25.00} late fee. The card says there is a late payment if they do not receive the payment by XXXX XXXX, XXXX. They could not have received the payment on XXXX XXXX, XXXX because there is no mail on Sunday XXXX XXXX, XXXX. 

In my opinion, that is fraud - To hold a payment until is overdue and then charge a late fee on a late fee with interest. 

The only item that was ever charged to my account is {$50.00} in luggage fees ; nothing else. 

I am warning others not to apply for a XXXX XXXX Platinum Select Card I am also asking the CFPB to investigate the practices of XXXX Cards. 
Specifically, their practice of not crediting payment on the date received and charging late fee and interest on a late fee. 

I am an attorney in Ohio.

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 2017-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I received a letter from American express after I filed the initial complaint # XXXX. In the letter, they acknowledged the issue and promised to resolve on or before XXXX XXXX, XXXX. However, XXXX months have passed and nothing has been done to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
XXXX XXXX is the original creditor for my auto loan. I had a life event and unfortunately could n't pay. They have since sold the debt to XXXX XXXX XXXX and now they BOTH are reporting the same debt and attempting to collect on the debt. 
By law XXXX creditors can not collect on the same debt at the same time. -- -Also the debt is past the statute of limitations!! When I call either of them, nobody knows what they are doing and they do n't try to help. I have contacted my attorney as well as filed a complaint with the attorney general. They need to fix this. The next correspondence will be from my attorney ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX, I was approved for a second modification to my mortgage by OCWEN. The reason for this modification was 100 % to fix an error that OCWEN had made when they did n't pay the property taxes on both lots that the property sits on. Because of OCWEN 's error, approximately $ XXXX had to be paid out of the escrow account to cover the back taxes, which then subsequently needed to be refunded. To come up with this sum, the mortgage needed to be restructured. 

I had until XX/XX/XXXX to execute the mortgage modification and return it to OCWEN. As the date approached, I had additional questions that I needed answered before I could decide. Thus, before the deadline at XXXX on XX/XX/XXXX, I sent XXXX XXXX , my contact within the Consumer Ombudsman 's Office, an email requesting further information on a number of topics. I followed up with a call, but when I did not promptly hear back from XXXX, I also called a Customer Relationship Manager as well to report to them that I was seeking additional clarification from the Consumer Ombudsman 's Office and that I wanted this noted on my account due to the impending deadline. 

My understanding was that XXXX would grant me a short extension and I would get my critical questions answered. That 's not what happened however. Instead yesterday XX/XX/XXXX I received a XX/XX/XXXX letter from OCWEN Loan Servicing declaring that I had not responded to the offer and thus it was no longer available to me. So I am protesting this and requesting that the offer be reinstated, an extension granted, and my questions answered in a timely fashion. Further, when I wrote back to XXXX directly about the situation, I received an automated response that he will be out of the office for another full week, meaning that he will not be available during that time to fix this situation for me on his own. It is for this reason that I am filing this CFPB complaint. 

It appeared OCWEN had gotten their signals crossed yet again, so I wrote again to 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 2017-11-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XXXX XXXX, XXXX, the home equity loan held by USAA was paid off by the title company when we closed on the sale of the house. I obtained from the title company proof that USAA received the payoff on XXXX XXXX, XXXX. I checked my credit report in XXXX, XXXX and again XXXX and found each time that USAA did not report that the account was paid in full but erronously reported it as a collections/charge off with an unpaid balance. I phoned XXXX XXXX at USAA XXXX offices in XXXX and XXXX, leaving a detailed message each time. I never received a response. On XXXX XXXX, XXXX, I faxed a letter to USAA demanding that it immediately and correctly report that the loan is paid in full and remove the false and derogatory information from my credit report. I faxed a copy of the letter to CFPB as well.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I refinanced my house last year XX/XX/XXXX. I had several accounts in collections. 
Every account was paid in full. The reporting agencies, will not correct mistakes, and the particular company that is listed 3 times on my credit report, with the same account number, WHOM Had initially sent updated information to the credit bureaus on XX/XX/XXXX, and again on XX/XX/XXXX. Experian told me that they did not receive any letters from them, but they have the information that I had previously disputed this.. 
I have been struggling for several years to get this cleaned up. My credit score in close to the same after paying all my debts. ( I had more than 10 accounts in collections. ) I have paid all my accounts on time for over 3 years, refinanced my house, bought a car. Corrections are very difficult to resolve. Specifically the account on my credit reports is Account number XXXX. From XXXX/XXXX XXXX, XXXX XXXX and XXXX XXXX. ( ALL SAME ACCOUNT ) On my credit report, it has this ONE account listed 2 times on closed accounts, AND ONE account listed says BAD DEBT/ CHARGE OFF. ANOTHER same account listed right below says PAID. then, they have this same account in collections. Please help me resolve this.

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 2017-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Harassing me over an account that I never opened

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief