vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
FORECLOSURE SCAM In XX/XX/XXXX, Ocwen Loan Servicing LLC transferred and sold my loan without reporting the entity they sold to. XX/XX/XXXX, my house was sold on the courts doorstep here in XXXX, Georgia without my knowledge. I did not know the property had even been foreclosed on until late XX/XX/XXXX after consulting a federal agency in reference to Ocwen Loan Servicing LLC trying to add their information to my homeowner 's insurance. Did n't know they had sought after my insurance company until one of my insurance company representatives contacted me via phone to inform me. After seeking out information about why they would call my insurance company, I came upon documents filed and advertised at the XXXX County Superior Court in XX/XX/XXXX,  shortly after learning about the insurance issue with Ocwen.
Immediately afterwards, I tried to retain counsel in my area to no avail. I could not get any help in any form in this state. Contacted an attorney in the XXXX area, who wanted to file a civil suit against Ocwen but declined to proceed and also stated that I would lose if I tried. So, I immediately seeked out the bank that supposedly holds interest in my home to find out that they do not own my home and is not coming against me in any court proceedings based on the bank representatives who are listed in the letter which is attached to this complaint. Afterwhich, today, I contact the attorney, XXXX XXXX, with XXXX XXXX XXXX XXXX who filed proceedings against me for XXXX XXXX XXXX XXXX and asked that he cease and desist because their defendants addresses, phone numbers were bogus and he was in violation of my rights as a consumer. A cease & desist letter will be mailed certified to him and his firm today.
The banks information listed on the court proceedings do not exist and the XXXX XXXX XXXX XXXX representatives listed in my cease and desist letter agreed with me on filing this claim. They can be reached at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX. Please see misleading XXXX XXXX ownership information on the tax document and court proceeding documents attached.
I would like the FTC to conduct an investigation and any other entities you find legally obligated to enforce any laws regarding my situation.

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 2017-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
SunTrust received payoff on XX/XX/XXXX via wire from our closing attorney ; however the payoff was not posted until three days later, on XX/XX/XXXX, with XX/XX/XXXX as the effective date of payoff. The payoff statement from SunTrust clearly states wires received by XXXX XXXX are posted the same day. My wire confirmation shows that the wire was sent at XXXX XXXX allowing ample time for the funds to be received by XXXX XXXX.  Payoff did not post the same day and I was charged three extra days of interest by the time it did post. I contacted SunTrust by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, after checking online daily, and via their secure email site following that, and am still waiting for them to 'research ' the request and refund the interest for those three days. I was first told the wire room was understaffed, which is the reason given for not posting the same day, but that the payoff would post as of the correct XX/XX/XXXX effective date. Next I was told that because the loan had two parts ( former restructure ) it took two days to post the payoff but that it would be effective dated to the XX/XX/XXXX for both parts of the loan. Finally when I saw online that the payoff had posted and that it was not backdated to the date wire funds were received, I sent an email to SunTrust via online secure mail site. That was been two weeks ago with an email 2 weeks later saying they are still researching 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 monetary relief
Consumer complaint received 2017-07-14 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: TX

Complaint narrative:
Dear Sir/Madam I had sign up with  XXXX  for electricity based on their marketing calls. They had promised me {$600.00} in gift cards for signing up. However, after several months they failed to provide the gift cards. I had called them numerous times and even filed a better business bureau complaint. Finally, I had enough and I cancelled the service after paying every penny for the electricity I had used.  XXXX  then reported my account as delinquent to the credit reporting companies. I had filed complaints with all the  XXXX  credit bureaus to no avail. Apparently  XXXX  is reporting a {$240.00} termination fee as outstanding balance. I was not aware of this bait and switch trick that  XXXX  is engaged in.   XXXX  I request that your good office help me remove this erroneous and fraudulent entry from my credit reports and take strict action against  XXXX  for their fraudulent business practice.   XXXX  Thanks for your 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 2017-07-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir/Madam I had sign up with  XXXX  for electricity based on their marketing calls. They had promised me {$600.00} in gift cards for signing up. However, after several months they failed to provide the gift cards. I had called them numerous times and even filed a better business bureau complaint. Finally, I had enough and I cancelled the service after paying every penny for the electricity I had used.  XXXX  then reported my account as delinquent to the credit reporting companies. I had filed complaints with all the  XXXX  credit bureaus to no avail. Apparently  XXXX  is reporting a {$240.00} termination fee as outstanding balance. I was not aware of this bait and switch trick that  XXXX  is engaged in.   XXXX  I request that your good office help me remove this erroneous and fraudulent entry from my credit reports and take strict action against  XXXX  for their fraudulent business practice.   XXXX  Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I have several concerns with this preditoral company. the first thing is that this company adjusted my escrow amount and i was never notified concerning that. I had been paying my original amount for mortgage and didnt know that the escrow had increased which caused my payment to increase. Once receiving a copy of my credit report i saw i was being reported late by Ocwen. To find out what they were doing was taking what i was paying holding part and applying the rest to the escrow difference so it looks like that i am not paying my mortgage on time. I tried to do a VA re-finance last month and they had reported me late and i wasnt late so the finance company pulled out. I paid my mortgage on  XXXX / XXXX /   17  and they said I paid it  XXXX /17/ I have the receipt from when i paid this. This company is thief. I need help in this matter. I even asked them since i never knew that the escrow switched before hand wont you just apply the escrow difference to the end of the loan. They keep saying we need to talk with the loan investor. Never got and answer. All these items above have dinged my credit and it has hindered me in doing personal things in my life. if you check my payment history I always paid on time according to what i knew.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Pinnacle LLC C/O Resurgent Capital Services placed a debt on my credit report from 2014 just recently. My newest credit report shows them added when last month they were not listed. I never received any notification from this company about this debt. My credit report states the debt is {$1600.00} and this is all I know. I have no other information about this debt other then what the credit bureau states.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phelan Hallinan Diamond & Jones, PC
State: NJ

Complaint narrative:
XXXX XXXX XXXX. of XXXX XXXX XXXX XXXX XXXX handled the foreclosure matter on our home. We sold our home on XX/XX/XXXX, 2 months before the scheduled sheriff sale date of XX/XX/XXXX, and XXXX XXXX asked for and received the sellers disclosure on XX/XX/XXXX. We also signed a confidential settlement agreement that XXXX XXXX prepared. However, XXXX XXXX refused to cancel the sheriff sale even after we contacted the sheriff department, told them the house was sold, and the sheriff department reached out to XXXX XXXX to cancel the sale. XXXX XXXX still did not cancel the sale. Our name was wrongfully published for 2 months on every auction website and we were inundated and harassed by attorney and realtor solicitations. We were also contacted by family members and old neighbors advising us that our SOLD home was still up for sheriff sale. The sale was never canceled despite all our attempts to get XXXX XXXX to do his job and cancel the sale. We do n't know why a debt collection firm would behave in this type of unethical and harmful behavior other than to cause our family severe emotional distress and to cause us financial harm. We have tried to settle this matter with them. XXXX XXXX 's response has been to threaten us with in-house legal action when we informed him of our intent to file an ethics complaint as well as this complaint with the CFPB. XXXX XXXX XXXX XXXX XXXX is well known for their abuse of homeowners. In this case, they should not be allowed to intentionally inflict pain and suffering on homeowners who have already sold their home. We sold our home and 2 months later we went to sheriff sale. There should be consequences for this type of criminal behavior. The real question is ... why did he do it? Was taking it to the sheriff sale date an important milestone that needed to be met in order to trigger insurance payoffs or other incentive pay. I strongly suspect this is the case and the CFPB should be looking into this matter closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: MS

Complaint narrative:
i sent a letter in XX/XX/XXXX asking for proof of account, i never received any documents in regards to the account, and it still reporting on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
In XX/XX/XXXX, I took out a federal subsidized Stafford loan. It says in Navient that it 's a variable rate, but I thought all federal loans were fixed? Anyway, the interest rate has doubled each XX/XX/XXXX this year and last ( XX/XX/XXXX and XX/XX/XXXX). Last year when I raised a fuss about it they told me Congress sets the rates, but upon further digging, Congress sets the rates for NEW loans. I do n't understand how they 're doubling my rate each year. I 've never missed a payment, so it 's not punitive. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been using the app XXXX XXXX. There is consistently a issue with the app not getting updated information from BMO Harris bank about my transactions and balance as well as direct deposit.

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 2017-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I do n't want it it keeps taking " test " an taking it out of my  XXXX  bank I wan na close all of it I do n't need it and it 's  XXXX  stupid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: KEYCORP
State: NY

Complaint narrative:
I received a bill with a XXXX balance from Key Bank, opened in my name. I received it one day after my mother, who banks with Key, received the same type of bill. Neither of us has ever held or currently hold a credit card or debit card from Key. I did not request a card be opened nor do I have a personal banking relationship with Key. I am a " signer '' on my mother accounts in case of emergency. <P/>Key bank indicated these cards were an error and had been pulled from an old system and bills sent out. As stated, I have never had any credit card from Key bank or From its previous owner XXXX XXXX. <P/>Key bank did not have a clear answer as to why this bill was sent other than a computer problem. However they did indicate it would show up on my credit report. I have not spoken to, written to or requested a card from Key bank at any point it my life. <P/>I believe Key Bank is systemically and fraudulently opening accounts - much like XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/XXXX, I sent a cashiers check certified mail for XXXX. On, XX/XX/XXXX I  received the receipt from the Post Office of the check be received and signed for. On XX/XX/XXXX I received a statement saying I was past due on my payment. I immediately called and spoke with XXXX XXXX XXXX ext XXXX. I sent over a fax of the copy of the cashier check, the receipt from post office, and tracking information. Since the XX/XX/XXXX I have had a very hard time getting in contact with them and resolving this matter. I have always sent my mortgage in certified mail and as well paying monthly with a cashier check. Since this whole ordeal has happened I have received nothing but threats of selling my house. This is not my first run in with Chase home finance a few years the same thing where the check was taken by someone from chase and cashed. I had to get the attorney General 's office involved to resolve issue. I just want this fix so I can go on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened an  HH Gregg st ore credit card through Synchrony Bank in account in  XXXX   2012 . I agreed to a 0 % annual percentage rate fo r twenty four  months, and then a slight rate increase thereafter, which was not honored. Instead I keep receiving statements with very high interest rates, including an inflated annual percentage rate of 29.99 %.

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 2017-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: CT

Complaint narrative:
I 've been trying to stop paying my home insurance through my mortgager since early XXXX of this year. My initial request was via fax and did n't have my signature, so I sent another with my signature on XXXX XXXX. It was not entered into their system until XXXX XXXX, and I was not notified that they were even in receipt, or that a signature was missing. It was only upon my calling them that they told me they needed my signature. I followed up on XXXX XXXX, and was told they would make a request and put a rush on it. today I called and was told Insurance could not help me that she would transfer me to the group in charge of escrow, and the call was routed back to the main menu. When I went through the whole process again, and became a little annoyed because this process was taking an extraordinary amount of time and Seterus is taking more money than necessary to pay my home insurance, the young lady hung up on me.

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 2017-07-14 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: NY

Complaint narrative:
There was that a computer glitch with their database on 2 separate occasions ( XXXX and XXXX ) with Transunion. This was TransUnion 's problem - not mine which caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. They refused to transfer me to someone that could help me and hung up on me, in fact. These inquiries have added a hardship and that my rights were violated by TransUnion.

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 2017-07-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a home construction loan with US Bank. The amount due every month changes based on how much has been drawn for construction so I have to wait for my statement to know what the payment will be. My most recent statement shows a statement date of XX/XX/XXXX and a due date of XX/XX/XXXX. I have a USPS delivery report that shows that the statement was n't delivered to me until XX/XX/XXXX. Obviously they have made it impossible to make the payment before the due date and I have less than a week to get it to them before they charge me late fees. They do not allow payment online ( because it is a construction loan ), wo n't accept a payment at a local US Bank branch, and want to charge me {$11.00} to pay by phone. It feels like they are deliberately sending the statement late so they can collect extra fees by forcing me to make a rush payment or charging me a late fee because it is impossible for them to receive the check in the mail before penalties get assessed. When I called today ( XX/XX/XXXX ) to complain, the best they could offer is to submit for a one time late fee waiver. I should n't have to pay fees to make a regular timely payment or have to ask for a special waiver.

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 2017-07-14 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: TX

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
<P/>
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
<P/>
XXXX XXXX XXXX " NO ACCT # '' UNVERIFIED/NO CONTRACT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: OH

Complaint narrative:
There is an error on my credit report from XXXX XXXX Credit Card. The credit card paid full but on the credit report it is showing unpaid. I contacted with the bank and they provide me confirmation number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation