vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I have applied for loan modification since XX/XX/2022. They stated once my information was received we can continue paying the mortgage. Everything was sent that was requested with even more information on top of it. The income was more than XXXX of the value of the house. They have proof I can pay for the mortgage but have denied the re modification. They keep stating to send the information again. I do and its the same thing all over. Have been on the phone with them religiously about 3 or more times each month trying to get this straightened because you have to wait a while before they process the paperwork. I uprooted my life with XXXX small children from XXXX  back to XXXX to save my childhood home with the guarantee from them that the loan under my father could be remodified with no issues. He is XXXX so I will be living in the home with my family and keeping it in our family for years to come. They state there is nothing else they can do. We were trying a different option which they told us we could which was to refinance through an outside bank. But they will not give us the requested paper work to do so. They are stopping us from refinancing as well as remodifying this loan. We dont know what else to do. I can not be evicted with XXXX small children and nowhere to go. I have given them everything I could. Documents after documents proving I can pay the mortgage today or tomorrow but they refuse everything.

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 2022-08-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
, XXXX, Experian you all get the same report from metro 2 XXXX removed the XXXX XXXX XXXX I request you remove it also

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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
U.S.C 1681 section 602A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A STATES 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
U.S.C 1681 section 602A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A STATES 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-08-29 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: NCB Management Services Inc.
State: CA

Complaint narrative:
I am filing this complaint because I'm going through a really stressful time due to NCB Management Services , Inc.

I filed an arbitration case against NCB, who is reporting the account involved in this matter. NCB has refused to arbitrate the matter thereby violating the contractual agreement that was in place with XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. ( the original creditor ). NCB Management Services , Inc. is a debt buyer, therefore they must honor the arbitration agreement that was originally signed with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The XXXX XXXX XXXX is about to close my case because NCB has not honored the filing fees payment. This means that every consumer that wants to open a legal action against NCB will not be helped. 

I want to request the CFPB to begin an investigation so this company does not continue to evade its responsibility to respond to arbitrations filed by consumers. 

I am attaching the proof of the case and the XXXX XXXX XXXX 's email in which they state the case was to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: IL

Complaint narrative:
I requested a {$1400.00} loan for emergency housing needs. I am a senior and was not aware of the {$7000.00} plus repayment for the amount of this loan. My daughter who helps with my bills was reviewing my account on Saturday and was " livid '' when she learned I had money coming out of my checking account from a " predatory lender ''. We put an automatic " stop payment '' on any future withdrawals. I did not understand this was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
How much does XXXX charge municipalities to bill customers for tolls and taxes? XXXX and XXXX dont add surcharges to toll and tax bills, but XXXX apparently does and is therefore incentivized to charge their customers for taxes and tolls that arent due or owed. I will be submitting a Rule Making request about this officially to CFPB - but Auto Financing companies shouldnt be collecting excise taxes or tolls for a fee. 

In their prior complaint response ( XX/XX/XXXX XXXX ) KIA admits that they are charging me for XXXX excise taxes that I do not owe. They admit they requested a refund from the Municipality ( XXXX XXXX  XXXX ) and that I should pay them this money even so. Yet after they responded to the CFPB saying this, they sent me a letter saying they will put my account into collection on XX/XX/XXXX for this money I dont owe. I moved away from that town a year ago. 

Their first response ( XX/XX/XXXX XXXX ) says that the taxes due were for XXXX which was an outright lie because I had paid XXXX taxes over a year ago. I supplied proof previously. 

I will be filing a lawsuit against XXXX to claim damages from this harassment that Ive received from them since leasing this car. I was overcharged by dealer, then XXXX  refused to acknowledge that I surrendered my prior XXXX ( when I took possession of present car ) and they tried to force me to pay for the surrendered car too, then 2 bad tires on brand new car and they refused to honor the warranty and now this. Not only is this illegal behavior it is also discrimination. I am certain if you look at your statistics you will see that theres patterns in their abuse - especially age and gender. 

This is systemic abuse and I can not help but think that if they were forced to keep Hyundai Motors Finance customer support functions onshore that this wouldnt happen in the USA. Theres financial incentive causing this abuse to occur. Its happening because it is offshore. Americans wouldnt needlessly hurt other Americans like this. This company is toxic due to this.

Also someone in XXXX leadership is not smart thinking that their customers are disposable and that hurting customers makes wise business sense. Especially someone like me who is repeat customer and never has been late on a car payment ever in my life. 

The amount of stress that this company has caused me is unconscionable.

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 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MI

Complaint narrative:
Received a statement on XX/XX/XXXX showing a minimum payment of {$260.00}. The balance of the account was {$13000.00}, of which all but the {$290.00} in purchases made during the period was part of a balance transfer offer with 0 % APR for 14 months. The statement shows no purchases were subject to an APR. On XX/XX/XXXX, I processed a payment for {$1200.00}, more than sufficient to cover the minimum plus the new purchase from the XXXX statement. 

When my XX/XX/XXXX statement arrived, it however showed that a balance of {$620.00} was subject to an APR of 16.49 % resulting in an interest fee of {$8.00}. When contacted, Discover 's representatives were unable to explain how and refunded the interest fee. That statement showed a balance transfer remaining balance of {$13000.00} at 0 % APR and that {$1600.00} in new purchases were made, and a minimum payment of {$270.00} was due. 

I made a payment then on XX/XX/XXXX ( day the statement is received ) for {$2400.00}. This was more than the minimum payment and the amount of alleged outstanding balance that nobody could explain. 

I then received my next statement on XX/XX/XXXX showing that I still had an interest bearing balance from purchases of {$5.00} ( which doesn't check out based on the above ) and was charged a " minimum interest fee '' of {$0.00}, but without any explanation of which balance it was being applied. I immediately scheduled a payment for XX/XX/XXXX ( next business day ) for the minimum payment plus the alleged remaining balance of {$5.00}. There were no net purchases made during this period I'll add. Only one transaction which was refunded on the same day. 

Discover refunded the {$0.00} in interest, but failed to explain sufficiently how the above makes sense dating back to XXXX. Maybe I'm in the wrong here, but I don't believe this is in keeping with the Credit CARD Act of 2009, which stipulates that any excess payments made ( amounts higher than your minimum payment ) should be credited towards the balance with the highest APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act Account, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act Account, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was approached online by a scam website called XXXX XXXX, i started investing and did not realize that the wallet address that was stated on the website was not in fact my own but rather belonged to the scammer, they were using it to enrich themselves by using my naivety and unfamiliarity with cryptocurrencies. I transferred money to them from my Bank of America Account. After I had " invested '' around XXXX USD they cut all ties and stopped responding to my messages.

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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act Account, XXXX XXXX XXXX  Account # XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX  XXXX # XXXX, has violated my rights XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX  XXXX XXXX, has violated my rights. 
XXXX  # XXXX has violated my rights. 
US DEPT OF EDXXXX # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: International Computer Systems, Inc.
State: AR

Complaint narrative:
FIRST COLLECTION SERVICES is in violation 15 usc 1692c due to sending a debt collection statement to my home without my consent. Pursuant to 15 usc 1692a ( 6 ) FIRST COLLECTION SERVICES are debt collectors. 
This company is also in violation of 15 usc 1681 ( 4 ) They did not exercise their grave responsibility with fairness, impartiality, and a respect for myself the consumer or my rights to privacy. 
They are also in violation of 15 usc 1692e ( 16 ) 15 usc 1692e ( 2 ) 15 usc 1692b ( 5 ) 15 usc 1692b ( 2 ) etc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
An account with FristBank Puerto Rico appears duplicated one with a balance of {$3500.00} and another one with {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Im accordance with the fair credit reporting act XXXX  account numbers : ( XXXX XXXX XXXX ) ( XXXX -XXXX  ) XXXX XXXX also using account # XXXX- representing as XXXX XXXX XXXX  ) ( XXXX -cXXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX  ). ( XXXX also using account # XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). ( XXXX- XXXX XXXX XXXX XXXX  ) ( XXXX. -XXXX  ) all listed has all violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
After ending my 6 month COVID-19 Forebearance with 5/3 Bank, which ended XX/XX/XXXX, I received a letter in early XXXX stating that I must submit payment to avoid further action. After making many attempts to communicate with the bank and explain that I had applied for Illinois housing assistance, I was told that they have no information to that regard. 

I received my XXXX payment, so I paid the amount the letter stated, and separately maid XXXX payment. I continued to reach out to the bank asking that the funds they received be posted so that I would not incur further action. After many attempts, I was told I hadnt paid all that was due, and that I had late fees. 

So, I submitted a payment for XXXX to cover late charges that should not have been charged. 

My mortgage payment was shown on account but not posted to it, so I called again. They said they are working on a loan modification. I explained that I dont want a loan modification and that the money I sent still had not been applied. I explained I did not know of any modifications except the Forebearance that already passed. 

Finally, I checked and saw payments to mortgage posted from the funds I submitted in XXXX. Then I made XXXX payment. Then I received a statement requesting money for XXXX, which was more than it shouldve been. Concerned, I sent that payment and am still waiting to see the documentation of the payment submitted in XXXX. 

I requested that my account be reviewed for accuracy and was transferred to many representatives without any resolution. 

I need help in getting 5/3 to communicate with me and explain where money was posted and why I was charged late fees or other fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I submitted a dispute with XXXX XXXX regarding a deposit I made last year. I made an ATM deposit on XX/XX/21. {$900.00} was not accounted for and I called immediately. I had not received a response to my request after some time so I called back. 
The rep stated the claim had been denied because the location did not record a positive variance from the ATM that day. She also stated I could not appeal and had no options. 


The ATM here in XXXX is always down or something is always going on with it. Navy Federal still has not given my funds back and its been a year. Please assist.

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