vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: PA

Complaint narrative:
I graduated in 2012 and have been making payments monthly for a {$7500.00} Discover Student Loan. My current payoff is {$9800.00}. I have already paid $ XXXX towards this loan. That breaks down into {$1300.00} going towards principal and roughly {$7500.00} paid towards the interest. The interest alone is more than the original loan. So I asked them about lowering my interest rate or allowing me to refinance so that I can pay down more on the principal. The ONLY offer they have for lowering the interest rate is to save a quarter percent by switching to Auto Pay. They will not allow me to refinance with them and because of this loan I can not get another loan to cover it. I will end up paying triple for this loan and not even pay it off until I'm in my 50s.. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There's incorrect information on my credit report and I've been trying to fix it for a long time and had no luck. Account stay there open account say they're closed there is wrong information and payment information being reported and not being reported my score is contradicting the information on the report my personal information is incorrect and I feel like Experian XXXX  and XXXX  have been discriminative towards my situation and very unhelpful and I'm unprofessional and resolving my issues

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 2020-04-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Since 2018 I have been trying to have OCWEN Loan Servicing removed from my credit report. OCWEN Loan Servicing LLC has not responded to disputes under the FCRA. 
All correspondence to OCWEN Loan Servicing LLC has gone unanswered. OCWEN Loan Servicing has removed false information from all reporting agencies EXCEPT XXXX, to which OCWEN has failed to notify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
For the first time I received a mortgage statement from Rushmore Loan Management with no arrears after I was forced to file a Chapter XXXX  foreclosure that was scheduled for an auction on XX/XX/2020. I received a statement 4 days later. 
The XXXX XXXX Circuit Court allowed a foreclosure to happen without a mortgage servicer or lender violating the federal and state of Maryland foreclosure process. 
Rushmore did none of the requirements below. 
XXXX No billing *No notice of intent to foreclose * No order to docket for foreclosure * No Mediation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
My account was permanently limited for some reason and Paypal advised me that my funds would be available for withdrawal after 180 days On the XXXX of this month they sent me a mail that my funds were eligible for withdrawal. However when I try to withdraw the money the transaction of XXXX XXXX keeps getting declined. I contacted them about this and they kept sending me automatic replies that didn't address the problem. I further quizzed them on why I was not getting an answer and they replied that funds would be eligible for withdrawal after 180 days. It's like they don't even keep track of their own records. 

I asked for assistance on this issue again and again now they're not even responding.Hope you people can help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
We have two zero-interest promotional balances on our XXXX XXXX card issued by Comenity. Early in the process of paying the balances down, I called the card issuer and confirmed over the phone that their process was to 1 ) apply the minimum payment to each balance, and then 2 ) apply any extra funds to the promotion that would expire first, which is standard practice for any card I've had a promotion with in the past. Over the next number of months, after I spoke with them, I made over-the-minimum payments to pay down the balance that was set to expire in XXXX, but when I checked my statement I saw that they had not been applying the payments correctly. They were applying the smallest minimum payment to the balance that would expire first and everything else to the newer balance. I called them to try and rectify the issue, and they transferred money from one plan to the next for the incorrectly applied past payments, but when I asked them about future payments, their solution was for me to " call every time I make a payment to ensure it gets applied correctly, '' which I have been doing every month since then. The oldest balance expired on XX/XX/2020, so in an attempt to make sure it was processed correctly, I made the payment over the phone with an agent and told her exactly how to apply the payment. She assured me it would be done correctly and the balance would be paid off before the expiration date. I called back again a few days later, still before the expiration date, to double-check that it was done how it should have been. This agent told me she saw the notes in the account from the previous agent and assured me it would be processed correctly, but there was no way for her or me to see that until a new statement was issued. This morning I received my new statement, and of course, they have applied the smallest minimum payment amount to the balance that expired in XXXX and everything else to the newer balance and charged me interest on top of it. They make no apologies for processing my payments incorrectly, despite the multiple calls I make every month, and they certainly don't seem to do anything to rectify the issue going forward. I'm trying to figure out why it's my responsibility as a consumer to call a credit card issuer *every month* to make sure they apply my payments correctly *per their own policies* AND still get charged interest because *THEY* can't get it right. This is a predatory practice and takes advantage of consumers, even responsible ones who are doing everything they can to manage their finances appropriately. I have had no satisfactory action taken in response to my complaints directly to the issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Please see enclosed letters of dispute and requests for validation received via USPS certified mail, signature required, by Capital One Bank on XX/XX/2020, concerning my Capital One Walmart credit card account # XXXX. 

I am submitting this formal complaint to the Consumer Financial Protection Bureau for investigation of violations of The Federal Deposit Insurance Corporation Law, Regulations, and Related Acts, sections 161 ( b ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( c ) and ( e ), 162 ( a ), 163 ( a ), 127 ( b ) ( 2 ) ( B ), 127 ( b ) ( 10 ), 127 ( b ) ( 12 ) ( A ), 127 ( i ) ( 2 ), 127 ( j ) ( A ) and ( B ), 127 ( o ) ( 2 ), The Fair Credit Reporting Act sections 1681, 623 ( a ) and 623 ( b ), and The Fair Debt Collection Practices Act sections 807 ( 2 ) ( A ), 807 ( 5 ), 807 ( 8 ), 807 ( 10 ), and 808 ( 1 ) by Capital One Bank concerning derogatory remarks Capital One illegally caused to appear on my credit reports and my Capital One billing statement and has refused to remove.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There's incorrect information on my credit report and I've been trying to fix it for a long time and had no luck. Account stay there open account say they're closed there is wrong information and payment information being reported and not being reported my score is contradicting the information on the report my personal information is incorrect and I feel like XXXX XXXX and Transunion have been discriminative towards my situation and very unhelpful and I'm unprofessional and resolving my issues

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 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There's incorrect information on my credit report and I've been trying to fix it for a long time and had no luck. Account stay there open account say they're closed there is wrong information and payment information being reported and not being reported my score is contradicting the information on the report my personal information is incorrect and I feel like XXXX  Equifax and XXXX have been discriminative towards my situation and very unhelpful and I'm unprofessional and resolving my issues

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
I am filing my complaint against XXXX XXXX, NewRez and Shellpoint financial, for violation of RESPA 10. Since XX/XX/XXXX, XXXX XXXX  has excessively escrowed my mortgage and failed to correct the amount while knowing it was incorrect. Since XX/XX/XXXX, NewRez/Shellpoint Mortgage, have continued to excessively over charge my escrow account, since purchasing my mortgage from XXXX  XXXX. The amount I'm being escrowed per year is XXXX for taxes and insurance, while my reported annual taxes and insurance for the property is only XXXX I have repeatedly requested verbally, and in writing, that the escrow amount be corrected, but both companies have ignored my request, and as of XXXX, NewRez, has sent me notices for filing foreclosure on my property, as well as sending negative reports to all credit agencies. I have continued to make my mortgage payment to NewRez, and have spent several hours on the phone with their reps to try and resolve the issue, but they continue to demand payment while seeking foreclosure, and damaging my families credit score. NewRez has also failed to pay out the full escrow amount they have collected for insurance, and continue to withhold the money, causing my insurance to be cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Service, Inc (FL)
State: TN

Complaint narrative:
An unpaid item in the amount of {$780.00} was placed on my credit report ( s ) by XXXX XXXX TN and is currently held by United We Collect Inc. The account was 'opened ' XX/XX/2016. I have attempted to contact both XXXX and United We Collect multiple time and have never received a response. 
I have not taken an ambulance ride ever and none of my dependents have taken an ambulance ride. I would like for one of the companies to provide me with information on this debt or have it removed from my report ( s ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: TX

Complaint narrative:
Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute all ftc violations Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. That means they should not call before XXXX XXXX. or after XXXX XXXX., unless the debtor and the collector have made an arrangement for a call to occur outside of the permitted hours.XXXX XXXX XXXX The Federal Trade Commission ( " Commission '' ) has conducted an investigation of certain acts and practices of XXXX XXXX XXXX  XXXX XXXX XXXX, a corporation ( " proposed respondent '' ). Proposed respondent, having been represented by counsel, is willing to enter into an agreement containing a consent order resolving the allegations contained in the attached draft complaint. Therefore, IT IS HEREBY AGREED by and between XXXX XXXX XXXX XXXX XXXX XXXX XXXX, by its duly authorized officers, and counsel for the Federal Trade Commission that : l. Proposed respondent XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a California corporation with its principal office or place of business located at XXXX XXXX XXXX XXXX, XXXX, California 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 2020-04-23 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: Clarity Services
State: TX

Complaint narrative:
Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute all ftc violations Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. That means they should not call before XXXX XXXX. or after XXXX XXXX, unless the debtor and the collector have made an arrangement for a call to occur outside of the permitted hours.XXXX XXXX XXXX The Federal Trade Commission ( " Commission '' ) has conducted an investigation of certain acts and practices of XXXX XXXX XXXX XXXX XXXX XXXX, a corporation ( " proposed respondent '' ). Proposed respondent, having been represented by counsel, is willing to enter into an agreement containing a consent order resolving the allegations contained in the attached draft complaint. Therefore, IT IS HEREBY AGREED by and between XXXX XXXX XXXX XXXX XXXX XXXX XXXX, by its duly authorized officers, and counsel for the Federal Trade Commission that : l. Proposed respondent XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a California corporation with its principal office or place of business located at XXXX XXXX XXXX XXXX, XXXX, California XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: TX

Complaint narrative:
Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute all ftc violations Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. That means they should not call before XXXX XXXX. or after XXXX XXXX., unless the debtor and the collector have made an arrangement for a call to occur outside of the permitted hoursXXXX XXXX XXXX  The Federal Trade Commission ( " Commission '' ) has conducted an investigation of certain acts and practices of XXXX XXXX XXXX XXXX XXXX XXXX, a corporation ( " proposed respondent '' ). Proposed respondent, having been represented by counsel, is willing to enter into an agreement containing a consent order resolving the allegations contained in the attached draft complaint. Therefore, IT IS HEREBY AGREED by and between XXXX XXXX XXXX XXXX XXXX XXXX XXXX, by its duly authorized officers, and counsel for the Federal Trade Commission that : l. Proposed respondent XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a California corporation with its principal office or place of business located at XXXX XXXX XXXX XXXX, XXXX, California 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 2020-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Requested a forbearance plan due to pay cuts at my current company via the covid 19 pandemic. 
I received a letter that I would have to come up with the complete lump sum after the forebearance period is over, however my loan is an FHA loan and according to the FHA, they can not demand a balloon payment after the forbearance period is up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX I called Webster Bank in XXXX MA to convert my home equity loan I have had with them for 5 years. At the time of the mortgage I was given a pamphlet giving the terms of this option. It was explained that this was very good and no other banks off this. I called on XX/XX/XXXX saying I wanted to exercise this option which reads. " We wiil charge you a {$95.00} fee whenever you exercise this option. " and " Here is how we will determine the fixed interest rate that will apply to a Conversion Option. '' It describes caps XXXX XXXX and floors XXXX XXXX further, " we will offer you the fixed annual interest rate we are generally offering to to eligible members of the public when we receive your conversion option request, for fixed rate equity monthly instalment loans for the principal amount and term you request '' The bank ( head of mortgages XXXX XXXX XXXX refuses to honor this agreement ( I asked for and received a copy of the signed original agreement and it is the exact language as the pamphlet. XXXX XXXX says, " She doesn't want to read the agreement '' and You can not get a mortgage without a closing cost. The advertised fixed rate mortgage on their website was XXXX XXXX on XX/XX/XXXX. I am asking that they honor the terms and conditions of the agreement with them and XXXX XXXX refuses to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: U.S. BANCORP
State: PA

Complaint narrative:
Due to the COVID-19 pandemic, my household is affected greatly financially. I have contacted my other credit card, American Express, and they were able to offer deferment and help. I contacted my XXXX XXXX VISA which is sponsored by US Bank and they will not offer any kind of help or deferment. 
I have perfect credit and they will be reporting me and therefore causing bad credit for 7 years. I have spent 4 times speaking to different representatives And supervisors and no one is able to help me. 

There has to be a mandatory relief, deferment, hold due to my financial decline due to this pandemic. 

Please help.

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