vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
On  XXXX   XXXX ,  2017  I was  discharged  from a  Chapter  #  XXXX  Bankruptcy. On  XXXX   XXXX ,  2017  I received a letter from the Attorneys of my Mortgage Company, the letter was accusing me of violated  # 1322 ( b ) ( 5 ) of the Bankruptcy Code. The creditor states that I missed two mortgage paym ents.   This is not true, and this is not the first time this particular company has given us problems.   I am a  XXXX  veteran who suffers from  XXXX , I do not need anymore  XXXX  in my life. My family and I work very hard to pay our bills, and stay above water. I did not miss a Chapter #  XXXX  payment or a mortgage payment.   We do not have the money nor experience to battle with the lawyers and mortgage company.     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 explanation
Consumer complaint received 2017-06-26 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: CORELOGIC INC
State: TX

Complaint narrative:
Company was contacted personally. Discussed that permissions to conduct credit reports were not provided. Company disclosed a solicitation call was conducted.     I reinforced the issue requesting the inquires are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: PA

Complaint narrative:
In XX/XX/XXXX I contacted Direct Express about charges that I did not make. I opened a fraud case XX/XX/XXXX. I sent all the documents that Direct Express asked for in the allotted time frame.
<P/>
I received a letter from Direct Express on XX/XX/XXXX saying that my claim had been processed and deemed a fraud and the funds were returned to my account.
<P/>
On XX/XX/XXXX three debit adjustments are in my transaction history. My account is in the negative XXXX  This is because one of the merchants is fighting the fraudulent charge. A young lady on what you call the second tier of customer service told me that my case was reopened and that they did n't need to notify me.
<P/>
I asked when I would receive another determination the young lady told me that they do n't have to send me anything to tell me about the funds being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
When I tried for Auto Loan in the month of XXXX received in correct or completely controversial or denial from most of the Credit union. The Credit Union did not update my personal information or lack of my information in their data base. This is due to the Credit Union anticipate / pay XXXX $ each month to update my information or might be provided in appropriate information about my Credit-ability. This Approach from all the Credit union made me fatigue because I have been paying my Credit card payments, Auto Loan and other Utility Bills in time without default even after voluntarily contact some of the Credit union like XXXX, Trans union did not provide right Credit ability or the report varies from one Credit union to others. At last XXXX provided me a report that shows I am victim of identity theft and hence agencies place " fraud alerts '' in my file Who is responsible for this? Now a days there are significantly increasing Cyber Crime and could you please investigate on my behalf and take Stringent Action against the Fraudulent who theft my Personal information. I hereby Authorize to take necessary Action against Fraudulent.

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 2017-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
When I tried for Auto Loan in the month ofXX/XX/XXXXreceived in correct or completely controversial or denial from most of the Credit union. The Credit Union did not update my personal information or lack of my information in their data base. This is due to the Credit Union anticipate / pay XXXX $ each month to update my information or might be provided in appropriate information about my Credit-ability. This Approach from all the Credit union made me fatigue because I have been paying my Credit card payments, Auto Loan and other Utility Bills in time without default even after voluntarily contact some of the Credit union like XXXX, XXXX XXXX did not provide right Credit ability or the report varies from one Credit union to others. At last XXXX provided me a report that shows I am victim of identity theft and hence agencies place " fraud alerts '' in my file Who is responsible for this? Now a days there are significantly increasing Cyber Crime and could you please investigate on my behalf and take Stringent Action against the Fraudulent who theft my Personal information. I hereby Authorize to take necessary Action against Fraudulent.

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 2017-06-26 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: FL

Complaint narrative:
The credit bureau is incorrectly reporting that I was past due on  XXXX  different  XXXX  student loans from   XX/XX/XXXX  to  XX/XX/XXXX . Th is is not correct information as the account was consolidated and transferred to a new servicer. The account numbers for the  XXXX  accounts are : "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  ''. I always made my scheduled payments on time and I never let it run late. I have disputed these inaccurate late payments on numerous occasions with the credit bureau but they have disregarded my disputes as frivolous and ignored my requests. I reached out to  XXXX  and they sent me a comprehensive payment history showing how I was never late on my student loans. I am including this payment history attachment in this complaint so the credit bureau can update their records and process my dispute properly. I sent this same information to the credit bureau but to this date, nothing has been done to process my request.

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 2017-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A.R.C. Accounts Recovery (U.S.A.) Corporation LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX I noted a collection on my account from the collection agency of ARC, For almost 700 $ original debt was from utility XXXX XXXX XXXX XXXX XXXX. I immediately contacted the collection agency, and requested details of the debt. I found that my information had been used to obtain services in a state I was n't even living in during a portion of service. From XX/XX/XXXX to appx XX/XX/XXXX someone was without my permission using my name through XXXX XXXX XXXX. When I contacted ARC they informed to get a police report, type a letter for  why I was disputing and send it in. After I had sent them the information it took several months but inXX/XX/XXXX the account was closed, and removed from credit. Then just over one month later the collection is back on my report, I never received any notice of this what so ever. How can something that was closed and proven to be identify theft by the collection agency be reopened again by the same agency. What are my rights?

Company response to consumer: Untimely response
Consumer complaint received 2017-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedycash say that I owe them a loan back when I did n't get a loan from them. Now that 's on my credit report saying I owe them {$830.00}. When I do n't owe them nothing. And that 's messing up my credit score so I was trying to get them to remove it off my credit. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been having tons of problems with my equifax credit report for the last 6 months or more. First of all noticed that a lot of my credit accounts that were reporting have disappeared. As well I have called equifax on numerous times regarding me not being able to pull my report from other credit monitoring services and XXXX XXXX. I have called and they have fixed it and goes back to the same problem. Every time I call they tell me that their is nothing wrong with my file and that these are third party monitoring services and try to sell me their product which I do n't want and do n't like. how ever this is multiple credit monitoring services telling me the same thing that equufax is the problem. Their is nothing wrong with any other one of my other bureaus beside equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Payments Check Services, Inc.
State: VA

Complaint narrative:
My husband and I had a dental visit at  XXXX   XXXX  on  XXXX   XXXX ,  2017 and o ur bill was {$230.00}. We wrote a check ( #  XXXX  ) for the amount ; they did automatic debt and the check was cleared. In fact the check was process because it was on my bank statement for  XXXX   XXXX  , 2017. To veri fy all transaction was managed well. I visited my bank and information was confirmed.   I then visited  XXXX   XXXX  with all of my documents and they indicated to me that the check was processed and there is no problem. Yet, the company listed below has been call and sending let ters (  harassing me to pay the bill again. They have even threaten that they will send it a collection agency.   Global Payments Check Services , Inc .    XXXX   XXXX   XXXX   XXXX , Il  XXXX   XXXX   XXXX  was not familiar with this company, when I visited their offices. I am not sure their relationship with  XXXX   XXXX . What I am sure is that the bill has been paid in full. I have said this to  XXXX  Payment ; fax them information and the threats continues. I need help with this situation.    XXXX    XXXX    XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I signed up for an HSBC premier checking account in XXXX of 2015. <P/>HSBC was offering a promotion at the time where they would give a {$200.00} credit when opening a premier HSBC checking account. I signed up using the promotion code, but HSBC has refused to deposit the {$200.00} that I am owed. <P/>I have had 20+ email exchanges with HSBC and the issue is still outstanding. <P/>There is a similar promotion going on now and the terms are listed here : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I received a letter from Chase bank that they are closing my account due to inactivity, even though I have made at least one purchase a month with the card for the last three to four years. I made two purchases this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc.
State: LA

Complaint narrative:
I purchased a car from CarMax in XXXX of 2016. I had come into some financial problems which caused me to get behind with my payments. So they were going to repossess the vehicle unless I paid them in the amount XXXX. So I made two payments for the amount of the XXXX, but they closed my account and charged the account off. So I asked them if I made the payment would it cause my account to go back into the current status and they told me no. So my account has been charged off and I still have the vehicle and they are making me pay the monthly payments of XXXX each month. So I feel that they have already received payment in full when they charged off the account but they are charging me and they are getting double payment on a vehicle that I still have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: FL

Complaint narrative:
The credit bureau is incorrectly reporting that I was past due on  XXXX  different  XXXX  student loans from   XX/XX/XXXX  to  XX/XX/XXXX . This is  not correct information as the account was consolidated and transferred to a new servicer. The account numbers for the  XXXX  accounts are : "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  ''. I always made my scheduled payments on time and I never let it run late. I have disputed these inaccurate late payments on numerous occasions with the credit bureau but they have disregarded my disputes as frivolous and ignored my requests. I reached out to  XXXX  and they sent me a comprehensive payment history showing how I was never late on my student loans. I am including this payment history attachment in this complaint so the credit bureau can update their records and process my dispute properly. I sent this same information to the credit bureau but to this date, nothing has been done to process my request.

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 2017-06-27 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: FL

Complaint narrative:
The credit bureau is incorrectly reporting that I was past due on  XXXX  different  XXXX  student loans fro m  XX/XX/XXXX  to  XX/XX/XXXX . This is  not correct information as the account was consolidated and transferred to a new servicer. The account numbers for the  XXXX  accounts are : "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  ''. I always made my scheduled payments on time and I never let it run late. I have disputed these inaccurate late payments on numerous occasions with the credit bureau but they have disregarded my disputes as frivolous and ignored my requests. I reached out to  XXXX  and they sent me a comprehensive payment history showing how I was never late on my student loans. I am including this payment history attachment in this complaint so the credit bureau can update their records and process my dispute properly. I sent this same information to the credit bureau but to this date, nothing has been done to process my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I signed up for a Checking Account under a bonus offer for {$250.00} if I did one of the following : Establish a {$500.00} minimum direct deposit or make 10 debit card transactions. I did both, but never received a bonus despite waiting approximately 1.5 months after meeting the bonus requirements. I emailed Wells Fargo about the issue, and they told me I would hear back in 14 business days, which did not happen. I spoke with a representative after that time, who claimed that the promotion I had signed up for had expired on XX/XX/XXXX ( I signed up on the XX/XX/XXXX ), which is impossible because the expiration date of my offer was XX/XX/XXXX as stated in the email I received stating the bonus was attached to my account. This appears to be a classic bait-and-switch and not what I expected when I signed up for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I signed a Parent Plus loan for my son back in XX/XX/XXXX and XX/XX/XXXX. He needed the money for living on campus. His tuition was pretty much paid for through federal loans, and it is a state school so it was a little more affordable. The problem is is that someone went online and signed my name for 5 additional loans! I told Navient ( my server ) that there is no way I would have agreed to those additional loans. Apparently, everything is done online and they just need your initials to approve on it. However, not only would I not have agreed to more loans ( as I 'm a single mother that makes around XXXX a year ), I was dealing with a foreclosure on my home at the time. I could n't even qualify for a loan for my daughter around that time when she applied to college. I did n't think I could qualify for any additional loans. Navient claims that I could have " less then stellar credit to apply '' ( their words ), yet I did n't have credit at that time. Now, I 'm trying to make a fraud charge, yet I ca n't seem to reach that department. I agreed to pay the first two loans as that is something that I agreed to, but I ca n't pay for what would amount to around 100,000 dollars. My question is why did no one call me to see if this was something I would agree to? I think a telephone conversation should have followed up with a loan agreement. Would n't it be considered a red flag if you sign so many loans in a given time? I feel like there are not enough checks and balances and protections for co-signers? I 'm really not sure what to do. I may not get out of paying the additional loans. I really need some advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Ad Astra Recovery Services Inc
State: KS

Complaint narrative:
I took out a payday loan at XXXX XXXX on XX/XX/XXXX, and subsequently was unable to pay. They sent it to their collection agency, Ad Astra Recovery. I filed for Chapter XXXX bankruptcy on XX/XX/XXXX and they were included in my case. They are still reporting on my credit, and I have contacted them in regards to the issue, and they 're always rude, even after I made them VERY aware that I had filed and they were included. The amount shows {$430.00}, and that the account is still open. I even gave them my bankruptcy case number, as well as the number to my attorneys office. I am trying to start my credit profile over again, and I have been denied a few things all because of this inaccurate status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
We have been 2 months behind on mortgage. I contacted Wells Fargo to see if we could have a loan modification. They told me that we did`nt qualify for one that we made enough where we did`nt need one. When filling out the paperwork they gave me i could not see anywhere where i would put what bills we pay, Gas, electric, Etc ... This has very frustrating because i`m trying to get help so we don`t get foreclosed but i can`t get any. XXXX XXXX 2017 is when i got the denial letter.

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 2017-06-27 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: FL

Complaint narrative:
Please remove all inaccurate information from my credit file.     The following hard inquiries are errors and/or unsolicited hard credit applications :  1.    XXXX   XXXX   XXXX   XXXX ,  XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX  2.  XXXX   XXXX   XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   3.    XXXX    XXXX / XXXX / XXXX   4 .   XXXX   XXXX    XXXX / XXXX / XXXX   5.    XXXX     XXXX / XXXX / XXXX  The following accounts should be deleted immediately from my credit file as they do not meet FCRA reporting requirements :  1 .  XXXX    XXXX     XXXX   2.    XXXX   XXXX   XXXX   XXXX   3 .  XXXX    XXXX     XXXX  4.    XXXX     XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient has been manipulating my payments so that it only applies payments to the accrued interest, and nothing to the principal, making it impossible to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's credit corp r eported my account as 30 days past due for  XXXX /2015 and I have never been late on my account. I even have pay statement from my chase bank where they debited my account for the amount owed. I have tried several times to have the issue resolved with them, but to no avail and it is been reported on my credit as late for 30 days.

Company response to consumer: Closed with explanation