vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I received a letter dated XX/XX/XXXX from Ocwen Loan Servicing, LLC which stated : " A recent review of the above referenced loan determined the attached Step Rate notification may not have been received. We are sending this to ensure a copy is available for your records .... '' The notice stated that my rate was increasing from 2 % to 3 % and that my payment was going to increase on XX/XX/XXXX. My monthly payment increased {$1100.00} and I was given less than 30 days notice and his has placed exceptional hardship on me. 

Two days later, XX/XX/XXXX, Ocwen issued another letter telling me that I owed {$10000.00} in undercharged interest. 

I called the lender Friday XX/XX/XXXX to ask the lender to explain and was that he would put a request in to the " research team '' and that I would be notified by email or writing in between 10 to 30 days. When asked why my monthly statements never showed the increase and he could not give me a good answer other than there was an audit of some kind. I asked him why I was given almost no notice and he said that it was all something I should have known as it was a scheduled rate increase according to my loan modification. 

He offered me no other explanation or resolution other than to reapply for a loan modification. I will start the process however, I really would appreciate some advice. I noticed that according to law, the lender has an obligation to give the consumer appropriate notice as to a payment increase. Since this was never done, do I have any recourse? 

Please help! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
COMENITYCAPITALBANK/XXXX # XXXX XXXX XXXX XXXX XXXX , OH XXXX Date Opened:XX/XX/2017 An  account was opened in the above company under my name and with my information, a charge of under {$50.00} for a pair of shoe ( that show up on my front door ) The pair of shoes was returned with enclosed label on box, I did n't opened the account or ordered the pair of shoes, my husband was at the hospital at that time. 
COMENITYCAPITALBANK/XXXX has me as a delinquent for about {$130.00} I called several times and requested the account closed and all late fees reversed because I explained that I did n't do the purchase. 
This is an scam to get fees. 
Please help me to stright this out. If you go online you will see the all the reviews for this company, this is their modus operandi. 

Thank you XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
In XX/XX/XXXX XXXX XXXX illegally defaulted my loans despite my submitting a request for a deferment. While I only borrowed approximately {$75000.00} I now owe over {$160000.00} due to default fees and penalties. This is loan shark practices. Furthermore, my income tax of over {$6000.00} from tax year XX/XX/XXXX was taken and NEVER applied to my balance. I have made numerous complaints since XX/XX/XXXX to  present to XXXX XXXX, US Department of Education, and Congress. This is loan shark practice and simply impossible to pay. I NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
TRANSUNION, XXXX AND XXXX TOOK 45 DAYS TO INVESTIGATE XXXX XXXX AUYOLOAN NO.XXXX. 
THIS VIOLATES THE F.C.R.A. CONSUMER PROTECTION LAW 'S.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I bought a house in XXXX 2017. Within 3 months I started shopping for a refinance mortgage company to re finance my home. form XXXX to present date I have contacted at least 17 mortgage companies with no success in refinancing m home. Each time I contact a mortgage company all 3 credit bureaus are list them as hard hit. Another inquiry is added to my already my already spiraling downward credit report. I was made aware of the info that CFPB has relating to Mortgage Bureau 's protocol within the Credit Bureaus Reporting practices on Mortgage inquires. The article says and i quote " You can shop around and get multiple preapprovals and official loan estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45 day window is over. Shopping around is still worth it. The impact of an addtional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. ''

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 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I bought a house in XXXX 2017. Within 3 months I started shopping for a refinance mortgage company to re finance my home. form XXXX to present date I have contacted at least 17 mortgage companies with no success in refinancing m home. Each time I contact a mortgage company all 3 credit bureaus are list them as hard hit. Another inquiry is added to my already my already spiraling downward credit report. I was made aware of the info that CFPB has relating to Mortgage Bureau 's protocol within the Credit Bureaus Reporting practices on Mortgage inquires. The article says and i quote " You can shop around and get multiple preapprovals and official loan estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45 day window is over. Shopping around is still worth it. The impact of an addtional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. ''

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 2017-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My mortgage switched to nationstar last XX/XX/XXXX from XXXX and now is Mr Cooper. They have my ledger incorrect. I have money missing, and theyre not post my mortgage payments as paid. Ive been trying to close on a refinance for months, as the my new bank is waiting for Mr Cooper to get my payment history corrected. Ive spoke to numerous people without  getting anywhere. Ive escalated it to a Manager, whom seemed to not care. He gave me his callback number, I called four times and left a message without a callback. My ledger is still not correct, and I have absolutely NO idea where they have been putting the money Ive paid them monthly. 

I have copies of personal items, I will share at a later date

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
1. On XXXX XXXX, XXXX my car was repossessed by World Omni ( XXXX XXXX XXXX XXXX ) from my home in XXXX XXXX, FL. 
2. Their clam is that I was mailed A Notice of Our Notice to Sell on XXXX XXXX 3. They claim that they mailed a Repossession Accounting Statement on XXXX XXXX, XXXX I have written several letters ( attached ) disputing their claims When you see their paperwork it clearly says XXXX XXXX XXXX. 
This not my address I have constant problems with this as my mail gets delivered to XXXX XXXX I did not receive any correspondence from World Omni concerning my car. 
I was deprived of my right to recover the car by making monetary arrangements or paying off the balance within the allotted recovery time When they sent their answer to my correspondence on XXXX XXXX, XXXX it was received by me because it had the correct address which is XXXX XXXX I have asked them to provide proof that I received the following documents by certified or signature proof of delivery 9-506. EFFECT OF ERRORS OR OMISSIONS.
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
These documents are required by law by the UCC Code and must show proof of delivery or the repossession is a violation of law. 

I further asked that the record be removed from all the credit reporting agencies immediately. 
They have refused to acknowledge that this charge is disputed with credit bureaus and is inflicting harm to my ability to get loans of any kind I fully intend to sue if this is not resolved as this is causing me mental anguish as well as monetary hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I had a credit card with Bank of America. In XX/XX/XXXX I paid the remaining balance of XXXX. I just recived a bill from Bank of America for XXXX with a threat of a XXXX late fee at 29.99 % interest on a XXXX balance shown on the bill I have recived. So in short Bank of America is fraudulently charging me XXXX on a XXXX XXXX balance? 

My full name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX # XXXX Confermation number XXXX CP # : ( XXXX ) 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 monetary relief
Consumer complaint received 2017-11-14 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: IN

Complaint narrative:
XXXX, EXPERIAN AND XXXX TOOK 45 DAYS TO INVESTIGATE XXXXXXXX XXXX AUYOLOAN NO.XXXX. 
THIS VIOLATES THE F.C.R.A. CONSUMER PROTECTION LAW 'S.

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 2017-11-14 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: Innovis
State: IN

Complaint narrative:
XXXX, XXXX AND INNOVIS TOOK 45 DAYS TO INVESTIGATE XXXX XXXX AUYOLOAN NO.XXXX. 
THIS VIOLATES THE F.C.R.A. CONSUMER PROTECTION LAW 'S.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I am a XXXX resident and my wages were garnished and continue to be garnished by Midland Funding LLC. Sometime around XXXX Midland Funding purchased a credit card debt XXXX {$1900.00} XXXX allegedly owed to XXXX under my maiden name XXXX XXXX. In XXXX Midland Funding  filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Case No. XXXX ) alleging that I owed them {$2500.00} and obtained a default judgment. They mailed the notice of lawsuit and any other papers associated with that lawsuit to a XXXX XXXX XXXX XXXX, XXXX using my maiden name on all of the paperwork. I am not nor have I ever been a resident of XXXX, XXXX. I was never served any papers by the sheriff and I never signed for any papers at the XXXX XXXX in XXXX, XXXX. 
I was critically injured in an automobile accident on XXXX XXXX, XXXX and lived with my parents in XXXX, XXXX up until XXXX of XXXX I was arrested on charges stemming from that accident. I was incarcerated in XXXX from XXXX until my release on XXXX XXXX, XXXX. I obtained a job with XXXX in XXXX of XXXX and first heard of this lawsuit when my wages were garnished by Midland Funding in XXXX of XXXX. 
I never received notice of the lawsuit back in XXXX and I never received any notice or letter from Midland Funding or their attorneys XXXX and XXXX attempting to resolve this matter before garnishing my wages. The information that I have I got on my own from my employer. Midland Funding has failed to send anything to me ever. 
Midland Funding is taking at least 25 % of every paycheck and there is nothing that I can do to stop it. In addition to the alleged debt of {$2500.00} they have tacked on another {$2500.00} in court costs and " post judgment interest ''. How can I defend myself for a debt that was incurred more than 10 years ago when I have been incarcerated for the past 8 years? How can I stop this wage garnishment? This puts a tremendous hardship on me. I am a XXXX parent with a XXXX XXXX XXXX child to support. Please look into this matter for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX I took a student loan out for my daughter a sum XXXX original lender was XXXX XXXX, three months later I go on XXXX and default. XXXX XXXX sold my account to XXXX. When XXXX contacted me the principal default XXXX, interest accrued {$4300.00}, other charges accrued {$34.00}, collection cost accrued {$140.00}, collection cost projected {$5900.00}. The loan exceeded a total of {$38000.00}. In XX/XX/XXXX I did the student forgiveness program with XXXX. XXXX told me to pay as low as {$5.00} a month, but I had to pay {$5.00} for 8 months I completed the program. two months later I get a letter from SUNTRUST asking me to pay {$400.00} every month to pay the student loan. I do n't owe SUNTRUST anything. I am afraid they are going to destroy my credit again.

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 2017-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
transunion credit report removes after an investigation then severa months later puts it back on my report, this account was obtained by stepson adding me 2 account with  out my permission.XXXX XXXX XXXX amount XXXX orig XXXX XXXX XXXX, who sold account. no contract exists.the last complaint filed with transunion over 3 months to no response.

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 2017-11-14 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I purchased a car in XX/XX/XXXX And I got turned down from Ally bank. They said my XXXX credit score was a XXXX. But they listed a company I have never heard off called XXXX XXXX. They are stating my credit score is a XXXX. My question is who is this company I have never heard of them and why would my score be 141 points lower with them than the big 3 banks use. This credit company maybe me get turned down for a loan that I should have easily been approved for.

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 2017-11-14 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: ID Analytics, Inc.
State: AL

Complaint narrative:
I purchased a car in XX/XX/XXXX And I got turned down from XXXXXXXX XXXX. They said my XXXX credit score was a XXXX. But they listed a company I have never heard off called sagestream Llc. They are stating my credit score is a XXXX. My question is who is this company I have never heard of them and why would my score be 141 points lower with them than the big 3 banks use. This credit company maybe me get turned down for a loan that I should have easily been approved for.

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 2017-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: COMMERCE BANK
State: IL

Complaint narrative:
I saw that Commerce Bank was offering a {$200.00} bonus for new checking accounts. I live in Illinois, which is one of their states, so I signed up and made a {$5000.00} deposit on XX/XX/XXXX. I just got a letter dated XX/XX/XXXX saying my account was closed due to inactivity. I had only had the account open for 6 weeks, and they are closing it for inactivity?? It 's clear to me that Commerce Bank is just trying to avoid paying the {$200.00} bonus, which would have occurred at the 90 day mark. They should n't be allowed to have people go through all the effort to honestly open an account with them and then deny the bonus because 6 weeks later they decide it 's not the kind of customer they want. They had my address when I signed up with the bonus promo code, so any sort of suggestion that I was n't in the bonus target area is ridiculous ... .they should have denied my application then if they did n't want people in my geography ( and I do live in a Commerce Bank state ). 

I sincerely doubt Commerce Bank is closing long-standing accounts that lack activity for 6 weeks. They are only targeting accounts for closure that they 'd have to pay a bonus on if they stayed open longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: FL

Complaint narrative:
Equifax credit report open pass due account XXXX XXXX XXXX orig XXXX XXXX XXXX hospital, filed a complaint with equifax that this account does not exist .it was previously removed and then reappeared, i called XXXX XXXX XXXX they stated XXXX balance, sent me a copy that i sent to equifax, they have not responded 2 my complaints over 4 months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter Business Service, Inc.
State: FL

Complaint narrative:
This " debt '' is regarding a simple XXXX performed by a doctor in XXXX on XX/XX/XXXX. The test usually cost between {$200.00} and {$400.00} ( market rate ) and with an insurance plan discounts it usually costs between {$100.00} to {$150.00}. This doctor billed {$2900.00} for the simple test which was reduced to {$1900.00} with plan discounts, but still a mysteriously large bill. I asked for details and was stonewalled, but eventually after a lot of calls and paperwork got the itemized bill. The doctor billed it through XXXX XXXX XXXX as a hospital visit, even though it was an ordinary office visit. Moreover, duplicated charges by the doctor, the hospital, and another doctor were billed for the same items ( billing codes ). 
I paid both the doctor 's bill promptly, but I disputed the hospital bill because it simply was not a hospital visit. The hospital refused to acknowledge the dispute and simply started sending me the same bill repetedly, threatening to turn it over to collections. I asked detailed questions on how they coud charge ten times what it normally costs. I was again stonewalled. The bill was turned over in XX/XX/XXXX to a debt collection agency, XXXX XXXX XXXX in Massachusetts that specializes in medical debt. 

I am flabbergasted as to how a hospital can simply send a massive bill and then turn it over to collections despite an outstanding dispute.

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 2017-11-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX Bank of America for no reason closed my account and did not send me any letters or communicated with me on why. 

I have been a client of theirs for over 10 years with multiple bank accounts and Merrill Lynch accounts with proven cash flow exceeding the $ millions. 

Despite that they cancelled my credit card with {$15000.00} in credit line. That is utterly unacceptable and I want this reopened.

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