vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-04 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: CT

Complaint narrative:
THERE ARE  XXXX  ACCOUNTS THAT ARE NOT REPORTING CORRECTLY AND EXPERIAN WILL NOT ALLOW ME TO DISPUTE THEM

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 2017-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Loan number # XXXX OCWEN Short Sale OCWEN is forcing an illegal foreclosure in the midst of short sale negotiations and has not served the home owner with foreclosure paperwork. the foreclosure date was re-assigned yesterday for XXXX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
After reviewing my credit report I found this company  OVERTON RUSSELL DOERR reporting account number   XXXX   to my credit report I have no knowledge of this account I am requesting a Full Validation on this account. I am requesting for this company to cease any collection act-ivies including reporting t his information to the Credit bureaus without a full Validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I have kept close documentation. No responses to the letters I sent as well as not marked disputed within the legal 30 days. Also when I requested validation receipt of how the account was verified mine no information was sent back in response. No orginal signature binding me to any contractual obligations to this account as no verification information waa received within the legal allowe d 15days or r eceipt. Information was not listed correctly per the me tro 2 compl iance laws. As I do have all documentation, as well as all the signatures from the company when the certified mail I sent out waa received. This is my final attempt to have this account removed from my credit reports and cleared up or I will file a lawsuit with a court nearest to me for up to {$1000.00} per violation including court and attorney cost. A police report and report with the  XXXX  was filed    XXXX   XXXX   2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I have made  3 p ayments to the  Student Loan Servicer   Fedloans Servicing . I made a payment on  XXXX ,   XXXX   and  XXXX  electronically through my  Bill P ay on   XXXX  . The first and Third payments required me to contact them to locate the payment in some sort of file and have them apply it to my account. My account number is associated with this payment each and every time and the second payment I had no problems with. I 'd like to file this complain and have assistance in moving my loan to another service agency who knows how to handle electronic transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX  University hired   XXXX   XXXX   XXXX   to collect a student loan. I am not aware of the amount due to the fact all my student loans are in deferment and if this is a student loan from  XXXX , it should also be deferred with my other student loans. I have reached out to   XXXX   XXXX   XXXX   on  XXXX   XXXX  and  XXXX  of this year. They have failed to respond to my second letter. Please see letters attached. I have also disputed this matter with Equifax. They claim they do not see a dispute for this account, but have a note on the account stating UNDER INVESTIGATION, which has been that way since   XXXX   XXXX   XXXX    . Please see attached document

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a home loan w ith Wells Fargo that is currently in arrears. I have spent the last year working with agents o n negotiating a reasonable payment plan, restructure, or loan modification, but I can not seem to get through the red tape. I feel I have not been accurately reviewed for any other options that would lower our monthly payments. I have done everything I can possibly think of to resolve matters with  Wells Fargos agents, but my pleas for assistance have been ignored. Wells Fargo re ceived {$25.00}  XXXX  dollars in bailout funds from t he U.S. Treasu ry. As such,  Wells Fargo  should be helping struggling homeowners like me, rather than pushing them toward foreclosure. Wheres my bailout? I am now in danger of losing my home to foreclosure, and need your offices help! A SALE DATE IS SCHEDULE FOR   XXXX   XXXX   XXXX  !!!     In  XXXX , I purchased my home signing a purchase money loan originated with  XXXX   XXXX . In  XXXX , I refinanced my mortgage signing a new loan originated with  Wells Fargo . In  XXXX , I received a loan modification. I timely tendered my mortgage payments on time as agreed for  XXXX  years. However, in  XXXX , Due to the struggling, I lost a substantial amount of business revenue along with the building I owned and ran my production company out of. I did the best I could to keep up with my mortgage payments, going as far as depleting my savings and reserves, but eventually defaulted on my home loan and was moved to foreclosure status.     In  XXXX , I contacted  Wells Fargos ag ents advising of my struggles to tender my mortgage payments. I was advised by  Wells Fargos  agents that I am not eligible to apply for a new loan modification at that time. However, recently, Wells Fargos agents offered me the   opportunity to apply for a new loan modification. I completed and returned the loan modification application, along with all required documents. After receiving what I can only call a runaround and paper-chase, with agents requesting and re-requesting the same documents repeatedly, no decision has been rendered. No other home retention options have been offered. A SALE DATE IS SCHEDULE FOR   XXXX   XXXX   XXXX  !!!     How is it possible that  Wells Fargos a gents have not afforded me the opportunity to be reviewed for a reasonable and fair resolution? My income is enough to afford a reasonable monthly mortgage payment and resolve this matter. I am certain that there are home-retention programs for which I qualify,  yet Wells Fargos  agents are denying me access to them. There is no justifiable reason fo r Wells Fargos agent s not to work with me and consider me for government programs such as a restructure, loan modification, and forbearance.

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 2017-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Gentlemen, My name is  XXXX   XXXX , I have been a Home Depot Credit Card ( Thru Citi Bank  ) h older for  XXXX  years. Never have been late. always paid on time. I had a  Credit Limit o f {$3000.00}. My balance was  XXXX . I had n't use it in awhile and also closest store is  XXXX  miles away. I used it in  XXXX  of   XXXX   and charged about  XXXX . And then exactly  XXXX  days later I get a letter that they decreased my  Credit Limit  to {$500.00}! I was so angry! I called them and they claimed they did an update and looked at my Credit Report and based it on other Creditors! I did n't give them permission to run my Credit again. They told me I had to try to get a credit increase based on an application for an approval? Of course they denied me!! I 'm very angry and disappointed! I never have been late and always on time! They are discriminating me! It 's not right! I contacted everyone and they wo n't do anything!!   Please help! I appreciate it!   Warm Regards,  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 explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
loan  XXXX  serviced by Ocwen many attempts to get a suitable modification plan ; Ocwen failed at all options began foreclosure again while I am recovering from a   XXXX   XXXX   in addition the original note of the deed of trust is wrong Paragraph  2 of  the original note says INTEREST ; this is a  PITI loa n not interest The word interest is wrong and make the note invalid  Ocwen  says since they did n't prepare the note that it was an oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On   XXXX   XXXX  , 2017, my d ebit card at  TD Ban k was compromised, and  XXXX  ( a company I have never heard of or interacted with ) withdrew {$370.0 0} ( in  XXXX   separate charges, {$280.00} and {$83.0 0} ), causing me t o incur {$100.00} in overdraft fees.     While the charges were pending, I went to my lo cal TD Ba nk branch and froze my card. I was told I could n't file a complaint until the charges were processed and my money was withdrawn. I waite d 24 hours to  lose my money, and then returned to the bank.     I filed a complaint with an employee that day at the local branch, or so I thought. Tod ay,  XX/XX/XXXX  , I emailed TD Customer service to see why this claim, said to only take 10 days, had not gone through. They reported, and the local branch corroborated, that no dispute had ever been filed. This is an egregious example of customer " service. '' As a struggling college student, losing all the money in my account has caused me to gre at stress and forc ed me to alter my lifestyle, eating less and spending nothing, and apparently, all for naught.     This is a terrible example of banking and account security, and I fully expect to be compensated for my losses. Unless  TD Bank   makes a serious effort to rectify their mistakes, they will have lose a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Recovery Solutions
State: NY

Complaint narrative:
Recieved several threatening phone calls to my mother 's phone 's and mine from  United Recovery Services to contact them or they would garnish wages and contact by Human Resources depa rtment. When requested written verification of debt by mail nothing was never received by mail or reported to any of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I sent a certified letter to  M & T bank loan modification dept  ( CERT MAIL #  XXXX  ) That letter was in response t o a trail m ortgage period in which the loan was NOT modified from its current status. Namely, the bank wanted {$1200.00} per month and the original loan was about the same payment.     I received NO consideration for my changed employment status. Specifically, the bank did not change in the interest rate, change in the principal amount of the loan, change the length of the loan nor the total amount of the payment each month.     The banks letter specifically stated that if I was unable to ma ke the trail payments  that I should contact the bank for additional options. I never heard back from them.     My attorney filed an appeal to the NYS appellate court to challenge mistakes in  the county  court and in response to this appeal which was to be heard on  XXXX   XXXX ,  XXXX  the bank forced a foreclosure sale on  XXXX   XXXX ,  XXXX  in attempt to obtain the property before the legal questions were answered.     These questions included : 1. Did the plaintiff comply with the strict requirements of   XXXX     XXXX  and  XXXX ?     2. Has the plaintiff proven standing to commence a foreclosure action?
3.   Was it error to grant summary judgment when the defendant had served discovery demands and the plaintiff never responded?

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 2017-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
Ive paid on my  XXXX  car loan t o CPS for over 3years  at  XXXX  and they say I still owe  XXXX  please overlook my situation I believe I am being frauded.   .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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:
I am requesting with this written notice that the following inaccurate   XXXX   XXXX   XXXX    60-89 Da ys Late be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in  XXXX  Ky for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

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 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am requesting with this written notice that the following inaccurate   XXXX   XXXX   XXXX     XXXX  Days Late be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in  XXXX  Ky for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: OH

Complaint narrative:
I am requesting with this written notice that the following inaccurate   XXXX   XXXX   XXXX    60-89 D ays Late be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in  XXXX  Ky for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

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 2017-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I called Bank of America  on two s eparate occasions to discuss  (  4  ) overdraft charges totalling {$140.00}. Both representatives refused to refund any of the fees and basically said that the bank has an automated system that decided who gets fees back and who does not. I was treated very poorly and kept on the phone  for 30 minut es only to be told they could not help me. I have since cancelled all direct deposits to the account and am in process of closing it. That bank is disgusting.

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 2017-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC cus tomer trying to do the right thing in paying a credit card with extremely high/abusive interest.   Opted to do online banking for better control to try and pay off the card. The online system is made for the customer to be locked out. I have attempted multiple times to cal l PNC wh o is unable to assist by phone. they say they ca n't help because of security reasons despite the fact that I answered all their questions over the phone. I have a credit card on my name and I am on a joint account with my parents. Somehow they would only be able to help based on the debit number. So, I ca n't manage the credit card and keep incurring high interest fees. They are now on the third time sending me via mail  3-7 bu siness days a pin. I have tried this already, it works for a minute and anytime you try a transaction is locks you out.     This is abusive and need to stop. I was also recently contacted by a SCAM company to try to re  duce the high interest rate allegedly which tells me PNC is selling the information to other sub company trying to make money out to the interest it is charging me.
I have been with PNC for 15 years but this is outrageous. As soon that this cards is paid t  hey will never get my business again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
Credit card balance was paid in full in  XXXX   2015,   however on credit report still show as not paid.

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 2017-05-04 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: Oklahoma Motor Credit Company
State: OK

Complaint narrative:
I recently found out that Oklahoma  Motor Company h as sued me after selling my car for far less than what I owed, the car broke down and I took it to their shop as they instructed me, after weeks of calling with no call back or answers, I assumed the car was getting fixed, I then received a letter that the car was sold for {$1000.00} dollars in auction and I owed like {$19000.00}. Then I come to find out that i was sued and then it was dismissed due to lack of service, come to find out that some scandalous process server lied and said he served me, although I was never served, judge dismissed the case and then magically as attorneys do, they got the judgement against me, which in turn will cause me to file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT CALLERS INC
State: MD

Complaint narrative:
Repeated phone calls from various different numbers even after I asked them to stop calling and advised that I was not aware of the debt they claim to be collecting.

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