vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
We have been trying to get a reverse mortgage but we do not have enough equity. We requested Ocwen to accept a discounted payoff. At first the request was denied ang on XX/XX/18 I received a letter from Ocwen that they would accept a 90 % of principal balance payoff. Ocwen stated that XXXX XXXX, the trustee, had requested the discounted payoff. When we tried to move forward and asked for the discounted payoff letter from Ocwen, we were informed by Ocwen that because of the status of the loan, it was not eligible for a discounted settlement. The status being that the loan is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I paid my mortgage online on XX/XX/2018 for the XXXX payment due to avoid a late charge. The payment was not processed until XX/XX/2018 and I was charged a late fee.

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 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Dakota Financial, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX and dakota financial llc run my credit without my approval, i only authorized XXXX XXXX XXXX to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Mortgage was collected 2 days early, on XXXX instead of my due date of XXXX resulting in two payments in XXXX. We are scheduled for mortgage auto drafts the first of the month, NOT the last day of the month. Its my understanding this isnt allowed. They cant change my contract at will?!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
In my family we have three generation ; many creditors and bureaus tend to use the wrong person. What I dont understand is how it happens so frequently. I have a Wells Fargo credit on my credit report that doesn't belong to me. However, the credit card was open was open by the third generation. This issue was reported XX/XX/2018.

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 2018-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: MN

Complaint narrative:
They are charging outrageous fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: TN

Complaint narrative:
On XX/XX/2018 I sent in all required documents to dispute an Identity theft which occured on my personal profile yet I received nothing in return for any of the major Credit Repair Agencies, I am at a lost of how to resolve this issue as this theft has ruin my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Hello! 
Let me explain the situation. 
I have a credit card from The Home Depot/CitiBank. I'm always payed my balance in time. But in XXXX and XX/XX/2018 I miss payments, because I never receive any notifications from creditor about my debt. And creditor reported to the credit bureau about late payments. I realized that I have late payments just in XX/XX/2018 when I check my credit score and it was decreased. Now I payed my balance in full.

Now I tried to figure out with creditor how to remove late payments from my credit report. I sent them a letter with explanation why I miss payments. After investigation the creditor said that it wasn't their error. And creditor could not make any changes to fix this error and fix my credit score. Now I'm going to apply for mortgage and fixing my credit score is very important for me.

Thank you and have a great day!

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 2018-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMW Financial Services NA, LLC
State: NC

Complaint narrative:
On XX/XX/2018 I did a wire transfer from my bank account in the amount of {$7700.00} to BMW Financial XXXX at XXXX XXXX XXXX XXXX NJ US. The wire transfer shows the beneficiary bank being XXXX XXXX XXXX  of XXXX XXXX, XXXX  with an ABA/RTN number. This wire transfer was suppose to been for a truck that I thought I was purchasing using XXXX. But have not been able to get in contact with the seller. I have spoken with XXXX  which informed me that my offer was denied but was at some point the conversation was intruded and I began speaking with someone else that perpetrated as the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In my family we have three generation ; many creditors and bureaus tend to use the wrong person. What I dont understand is how it happens so frequently. I have a XXXX XXXX credit on my credit report that doesn't belong to me. However, the credit card was open was open by the third generation. This issue was reported XX/XX/2018.

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 2018-09-29 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: LA

Complaint narrative:
In my family we have three generation ; many creditors and bureaus tend to use the wrong person. What I dont understand is how it happens so frequently. I have a XXXX XXXX credit on my credit report that doesn't belong to me. However, the credit card was open was open by the third generation. This issue was reported XX/XX/2018.

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 2018-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
******NOT A DUPLICATE*********** I do not have a signed contract nor any contract with Portfolio Recovery Associates . I have never done business with this company. I am not liable for the collection from this debt from XXXX XXXX Bank. I am not responsible for any debt with Portfolio Recovery Associates. On XX/XX/XXXX I have disputed the two accounts with PRA. PRA still fails to provide VALIDATION or a CONTRACT which holds me liable for these debts. I have attached documents that are sent to me which may VERIFY where the debt originated and give info on when PRA acquired the debt however they still fail to VALIDATE that this belongs to me. No signed contract only a single credit card statement that shows the balance in question. No full history of the account showing how it originated. This debt does not belong to me. Portfolio recovery also has now said that they refuse to process any disputes regarding these accounts which seems to be a violation. As a consumer I have the right to dispute accounts which I believe are fraudulent especially when it has not been proven to belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
2 things happened. I applied for a XXXX XXXX Loan for my childs college loan. It came back higher than the highest rate they had and I as Far as I know have perfect credit. I then today pulled credit report after findin that my XXXX XXXX was going to up my APR to almost 20 % after over 23 years of service with them. PUlled my credit reports to find out that they have posted a high, at or over the limit credit for XXXX XXXX XXXX also known as XXXX XXXX XXXX. This account is NOT in my name and Im an authorized user but not financially responsible for it. I did not take this card out. THis has adversely affected me in a financial way and all 3 credit bureaus are now reporting this as a negative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
My mortgage accoun was approved for Streamline Modification on XX/XX/XXXX. Yesterday I received my XXXX payment back and OCWEN 's portal is now saying modification was not approved. My monthly payment {$700.00} was enrolled for Monthly Automatic Draft on the XXXX of every month and has been in effect since XX/XX/XXXX. 
Ocwen has been auto drafting my monthly payments. Yesterday I received XXXX payment via check dated XX/XX/XXXX. My account on XX/XX/XXXX was showing next payment due XX/XX/XXXX. Today my account is showing next payment due date as XX/XX/XXXX with {$350.00} due but the monthly automatic draft is still in effect for XX/XX/XXXX. My principal balance is incorrectly showing as {$180000.00} when debt was discharged in bankruptcy. OCWEN reported to the government in XXXX form XXXX a Cancellation of Debt in the amount of {$110000.00} and in XXXX form XXXX Mortgage Interest Statement reported my mortgage principal as of XX/XX/XXXX {$65000.00}. I also pulled my credit report from XXXX  and XXXX and my mortgage which I've had since XX/XX/XXXX is not listed or being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 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: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
Late payment not removed

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 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2018 I sent in all required documents to dispute an Identity theft which occured on my personal profile yet I received nothing in return for any of the major Credit Repair Agencies, I am at a lost of how to resolve this issue as this theft has ruin my life.

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 2018-09-29 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: TN

Complaint narrative:
On XX/XX/ I sent in all required documents to dispute an Identity theft which occured on my personal profile yet I received nothing in return for any of the major XXXX XXXX XXXX, I am at a lost of how to resolve this issue as this theft has ruin my life.

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 2018-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I hold a business account with PayPal. My husband regularly sends me payments from his PayPal account and each time he does, the money is " pending '' and takes a couple days to be available in my PayPal account. Mind you, I have had this business account with PayPal for over a year and am a well established user. 

My husband sent me an E Check payment of {$60.00} from his PayPal account on Wednesday   XX/XX/18 at XXXX PDT. Today is XX/XX/18 XXXX XXXX and the transaction is still showing as pending in my PayPal account with the funds being held by PayPal . I checked my bank activity through XXXX XXXX XXXX, which is where the E Check payment was sent from and saw that the payment cleared on Thursday  XX/XX/18, one day after they original payment was sent. I contacted PayPal and was told by a representative that the money was not showing as cleared on their end and therefore it could not be released until XX/XX/XXXX. I asked to speak with a supervisor. While I was on hold with PayPal I connected through online chat to my bank at XXXX XXXX XXXX. I told the bank representative the situation and she assured me that the {$60.00} had in fact cleared the bank and should have already been accepted and received by PayPal. I then told the PayPal supervisor this information provided to me by XXXX XXXX XXXX and he told me that there was nothing that could be done. I then asked to speak to that supervisor 's direct supervisor and he told me that he would connect me and put me on hold. I then spent over 40 minutes on hold with PayPal. After being on hold for almost an hour and 20 minutes I then hung up. I also logged into my PayPal account and clicked on the pending transaction to open a dispute. An error popped up saying " We're unable to file a case on this transaction. Since this is money you've received, you'll need to contact the sender directly to resolve your issue. '' So I haven't received the money even though my bank has confirmed that it has cleared the account and that PayPal collected the funds and they refuse to release the money and then keep me on hold for an hour instead of transferring me to the supervisor and I can't even file a dispute? I even did research on the PayPal website to see their guidelines regarding ACH payments and there is no information on why they would continue to hold a payment after it has cleared a bank account. All I have to say is WOW! I do business with XXXX and they NEVER do anything like this. I feel completely taken advantage of and will never do business through PayPal again. I will also be filing a complaint with the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I did apply for credit card at Wal-Mart XXXX weeks ago, the card was approved and never received it in my mailbox as promised by store representative. I lost the receipt to show that the credit card has been approved from Wal-Mart. Any help for me to get the credit card would be appreciated. Thanks

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 2018-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was scammed out of XXXX dollars using the chase  quick pay feature. I was buying tickets that I never received from the seller. I contacted chase immediately as this happened and they were unhelpful and did absolutely nothing to help me. This happened on XX/XX/2018. Chase does not provide any safety to their customers and I feel like they could have easily helped me after this scam but they refused to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Multiple credit inquires have been conducted without my knowledge and consent.

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 2018-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit reporting agencys TRANSUNION RE ; XXXX XXXX XXXX of XXXX And XXXX XXXX XXXX A letter and documents provided to dispute the debt claimed owed by XXXX XXXX XXXX of XXXX acting on behalf of XXXX XXXX XXXX was sent to Transunion on XX/XX/2018. Additionally, complaints in regards to multiple FCRA violations as well as violations of Texas deceptive trade act by the above mentioned companys have also been mailed to the following agencies ; Texas Attorney General and the Consumer Financial Protection Bureau. For your record this letter is being sent certified mail and copys of all documents will be kept should they be needed for an FCRA complaint against any participating credit reporting agencies who fail to remove this false debt immediately. 

Eastern account systems has changed the disputed debt to collection paid instead of removing the disputed medical debt ( ( that was never in fact owed in the first place ) ) This medical disputed debt was entirely the responsibility of XXXX XXXX XXXX and XXXX XXXX. There was no balance owed ever by myself at any time. There should never have been any attempt to collect what so ever and this needs to be removed entirely from my credit report as it was not a paid collection, it was a disputed debt because it was never owed at all. 

I expect this item removed from my credit report immediately and an updated copy of my report sent to me or I will be seeking legal representation and filling a Lawsuit under FCRA violations against Transunion as well as XXXX XXXX  XXXX in federal court since it would be there jurisdiction. I will be seeking damages as well as attorney fees In Transunions willful negligence in there failure to comply with FCRA. 

There is absolutely no excuse and intent is implied to willfully harm me since every single document provided to Transunion goes above and beyond to prove a debt was never owed therefore in Transunion forcing this proven inaccurate debt to stay on my report by inaccurately representing it as a paid collection instead of removing it amounts to willfully being negligent as well as intent to harm. I expect your prompt resolution.

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 2018-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Credit reporting agencys XXXX RE ; Eastern Account systems of Connecticut And XXXX XXXX XXXX A letter and documents provided to dispute the debt claimed owed by Eastern Account systems of Connecticut acting on behalf of XXXX XXXX XXXX was sent to Transunion on XX/XX/2018. Additionally, complaints in regards to multiple FCRA violations as well as violations of Texas deceptive trade act by the above mentioned companys have also been mailed to the following agencies ; Texas Attorney General and the Consumer Financial Protection Bureau. For your record this letter is being sent certified mail and copys of all documents will be kept should they be needed for an FCRA complaint against any participating credit reporting agencies who fail to remove this false debt immediately. 

Eastern account systems has changed the disputed debt to collection paid instead of removing the disputed medical debt ( ( that was never in fact owed in the first place ) ) This medical disputed debt was entirely the responsibility of XXXX XXXX insurance and XXXX XXXX. There was no balance owed ever by myself at any time. There should never have been any attempt to collect what so ever and this needs to be removed entirely from my credit report as it was not a paid collection, it was a disputed debt because it was never owed at all. 

I expect this item removed from my credit report immediately and an updated copy of my report sent to me or I will be seeking legal representation and filling a Lawsuit under FCRA violations against XXXX as well as Eastern Account Systems in federal court since it would be there jurisdiction. I will be seeking damages as well as attorney fees In XXXX willful negligence in there failure to comply with FCRA. 

There is absolutely no excuse and intent is implied to willfully harm me since every single document provided to XXXX  goes above and beyond to prove a debt was never owed therefore in XXXX forcing this proven inaccurate debt to stay on my report by inaccurately representing it as a paid collection instead of removing it amounts to willfully being negligent as well as intent to harm. I expect your prompt resolution.

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