vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX I mail a check to my mortgage company which is PHHMortgage I sent out a check in the amount of {$1600.00} and I decided to check in on it which I do every month around the XXXX the company had not received my check so I told him I will few more days around the XXXX a call back they still said he hadnt received it so I waited till the XXXX I called back again and he said he still hadnt received it so I was told to withdraw the money out of my checking and word to them which I did they received it on XXXX PHh And then I asked them to stop payment on their end on the check number XXXX and then I will go to my bank XXXX  and stop payment which I did and charge me {$30.00} for stopping a payment on a check then on the XXXX I get a low balance text from my bank stating I am overdraft {$1600.00} the bank notified me that PHH sent the check to they were holding it in the checking department all this time and told me that it was lost somewhere and then he reported me to the credit bureau 30 days late which they have possession of the check the whole time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I called Wells Fargo in XX/XX/2019 and asked about my options during my anticipated XXXX  leave ( XXXX  due date was XX/XX/2019 ). They stated that I should call in XX/XX/2019 and my account could be placed on temporary forbearance for three months ( as I would not have any income ). My XXXX  XXXX  a month early in XX/XX/2019 and I called Wells Fargo. At that time they stated that I could only put my account on forbearance for two months ( XXXX - XX/XX/2019 ). I did not argue with them, even though they originally told me three months. They also stated that during these two months I could not release my co-signers, which I stated would not be an issue. I asked if this was possible upon starting my payments again ( which I did in XXXX ) and they said yes. I called in XXXX after my payment was made and they told me that I was unable to go co-signer release because of my forbearance. This is NOT the information they originally told me and I took it up with their executive office. Wells Fargo stated that they would call me within 10 business days to discuss this matter. I have paid my loans, on time, for 2.5 years and now I am being discriminated against for being XXXX/XXXX XXXX XXXX and not having income? This is absurd and they are not willing to work with me. I also contacted the state, who gave me your information. Please help, as I would like to release my co-signers. I asked about refinancing as well, but my payment would go UP which I can not afford. Again, this is discrimination AND false information. I am not pleased.

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 2020-01-31 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
At pnc bank, On XX/XX/XXXX my account overdrew {$13.00} so I went to the atm as soon as I could that evening and deposited {$10.00} which brought my account to - {$3.00} so I was relieved that I didnt get an overdraft fee since it was under the - {$5.00} rule. The next day I received an overdraft fee of {$36.00} so I called and spoke to a lady at pnc bank and she felt very bad and said she agreed with me and that she didnt think I should be charge and that she would do everything she could to help. But she said I was denied to have it waived so she requested a manager call me. I called again A couple times but nothing came of it. Talked to the manager the next day and she said there was nothing she could do and I was denied for a waive. I really feel that it was unfair to be charged when my account was only - {$3.00} which is under the - {$5.00} rule and now I am in a situation to where Im not able to pay it and Im going to get charged more until I am able to for something that wasnt completely my fault since I read the rules and it said I wouldnt be charged if Im under - {$5.00}. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-31 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXXXXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-01-31 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: GA

Complaint narrative:
I was trying to cosign for my mom a new vehicle, and my salesman told me that my credit was too low accept me as a cosigner. I asked him to review my credit report for me. There are several student loans and collection accounts that do not belong to me. I never even went to college in my life. Please remove these items from my report. 

XXXX XXXX {$1000.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$96.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX {$67.00} XXXX XXXX {$41.00} XXXX  XXXX   XXXX {$6700.00}

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 2020-01-31 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: GA

Complaint narrative:
I was trying to cosign for my mom a new vehicle, and my salesman told me that my credit was too low accept me as a cosigner. I asked him to review my credit report for me. There are several student loans and collection accounts that do not belong to me. I never even went to college in my life. Please remove these items from my report. 

XXXX XXXX {$1000.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$96.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX {$67.00} XXXX  XXXX {$41.00} XXXX  XXXX   XXXX {$6700.00}

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 2020-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I finalized my divorce in XX/XX/2019 and moved back into my home this was when I found that my ex-wife was behind on payments. I didn't know what to do. When I talked with the lender they told me I couldn't make a payment until the penalties were paid first. I struggled with the lender for months until I was contacted by XXXX XXXX that helps people like me deal with the lender. She got the lender to postpone auction in XX/XX/2019 she stopped we began to work with my lender to get a loan modification. I had also at the same time started a new job that pays well. I knew I could finally start making my house payments after I had began working. The lender was not being very compliant with us as XXXX fought hard to get them all my information they needed. At that point XXXX did all she could and I took over. Finally I thought all was going forward with the modification and the lender kept pushing the auction date out until now. They are claiming they still need documents which I was never contacted about. I am asking for them to postpone the auction date and they are not responding in a timely manner. XXXX is again helping me. This is complete misconduct of the mortgage practice. They have not been back in contact to me after I thought I would be getting my new payment plan and never did. I did everything they asked and acted in good faith and they set me up to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: AR

Complaint narrative:
I have tried to purchase a vehicle any times. Every single time I get denied and I just don't understand why. This last time I asked the car salesman to show me a copy of my report. I wish I would of took a look at my report months back. There are several collection accounts and a loan on my report that if not mine. Please remove these accounts from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 )  days late on the XXXX XXXX  XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
XXXX  is reporting 4 Outsource receivables collections # 's XXXX, XXXX, XXXX, and XXXX. That were all included in my Chapter XXXX Bankruptcy # XXXX. These are in violation and should not be reporting, and need to be removed off of my XXXX credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I was involved in a car accident causing a total loss on XX/XX/2019. The only payment that I should be responsible for is the one for the month of XXXX and any fees I may have racked up before the date of loss. I have been getting charged and recorded on my credit report that I havent been paying them since the accident but XXXX has already taken full responsibility and sent out a payment for the vehicle plus I have GAP insurance which should cover any thing XXXX doesnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: Automatic Data Processing, Inc.
State: CT

Complaint narrative:
I have funds debited from my paycheck to fund a Flexible Spending Account ( FSA ) account with ADP Total Source. They outsource the FSA administration to XXXX XXXX  a third party vendor. During the XXXX -XXXX year ending XX/XX/XXXX I spent {$2700.00} in covered expenses that I submitted to XXXX XXXX on XX/XX/XXXX for payment. They confirmed receipt but then stated they needed a claim form with the documentation by XX/XX/XXXX the last day to file claims for the prior year. I filed the claim form as requested on XXXX. I have all these facts documented. 

I called multiple times and was told it was being processed yet I never received the funds or a call back from XXXX XXXX. They had system problems the prior year so i was patient until XXXX when I put forward a written demand for payment to both ADP and XXXX XXXX  with all the associated documentation. ADP called back and said they would investigate and respond but they never did. No response was ever received from XXXX. I attempted to contact a specialist in XXXX but there were no points of contact listed and staff there never returned the messages from the call center. So I began investigating and found that XXXX has a documented pattern of complaints like mine. I believe that they may be intentionally holding my money and engaged in improper behavior while purposely holding funds that are not legally theirs to hold. 

Since they refused to respond to repeated requests including a demand letter and still hold my money with no written explanation i believe that both ADP and XXXX XXXX  must be held liable for their inappropriate actions and failure to respond. I have so much documentation that I will choose the most pertinent ones to substantiate this complaint. 

I request that you please hold them accountable for returning my money ( {$2700.00} ) and also investigate them further for a pattern of ongoing behavior that is not acceptable. 
I am glad CFPB is dedicated to consumer issues such as this. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
The lender has been giving me the run around. They had that my home sold for over 3 weeks and I could not get them to review my loan modification packet. 

When I finally addressed it to them they said they had no record of it. Well they have all the recorded phone calls where my counselor called them and they told him that my home had sold. 

They keep playing games and now they have a placed another sale date on my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX  XXXX  XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-01-31 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-01-31 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: NV

Complaint narrative:
I have been denied credit due to identenity theift, I have an ample amount of account that were opened in my name and the credit bureaus are not allowing me to dispute these accounts with them online. I am not happy with the way this situation is being handled and i am asking that the cfbp steps up and make the credit bureaus do what is right by law. I am asking that this inaccurate information about me is blocked by the credit bureaus

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 2020-01-31 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: UT

Complaint narrative:
Experian is reporting 4 XXXX XXXX  collections # 's XXXX, XXXX, XXXX, and XXXX. That were all included in my Chapter XXXX Bankruptcy # XXXX. These are in violation and should not be reporting, and need to be removed off of my Experian credit file immediately.

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 2020-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I received a bill in the mail from Phoenix Financial, current creditor XXXX XXXX XXXX XXXX XXXX. for a medical service from XX/XX/2018. I went to an emergency room in  XXXX, VA for a XXXX XXXX due to a XXXX XXXX. I received a bill from the hospital, and I paid it in full. Now, two years later, I receive this bill. I called and spoke with a man who said lots of people have been complaining about the same issue. The issue is that the doctor or doctors that worked at that hospital decided to bill for some sort of service WITHOUT sending a bill. They just made up a bill, and sent it to either Phoenix or   XXXX for collection. If I had received a bill in a timely manner, I would have paid it, or worked out something with my insurance. The man offered me a discount if I paid up immediately. He also said that they couldn't go back that far to have any insurance adjustment made. 
Once I mentioned that I may have to take this up with my attorney, which I fully intend to do, the man became unsure of himself, as if he had to now speak to me " off the script. '' His last words to me were, and I quote, " I will file it correctly. Have a nice day. '' So, whatever this was about now was not even filed correctly! 
I spoke to XXXX at the Ohio Attorney General 's office, who told me to contact ConsumerFinace.gov to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am XXXX years old and a co-signor on a student loan administered by Navient. The loan dates back 11 years or more during which time payments were made timely. Recently, I received word from XXXX  that a negative credit report had been made against me by Navient because of a late payment on the account. Apparently, the primary borrower failed to make a payment. This was the first notice of any kind that I received to the effect that the account was in default. I immediately brought the account current. As it turns out, Navient did not notify me of the delinquency because it did not have accurate contact information for me. This is hard to understand because it had been receiving payments from me for years. In short, Navient completely failed to notify me, the co-signor, of the account delinquency before filing a negative report about me with the credit reporting agencies. The negative effect of Navients report on my credit score has been significant. My credit history is otherwise exemplary. Ive asked Navient to retract its report and it has refused.

Company response to consumer: Closed with explanation