vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen loan service LLC. I am trying to get a lone modefaction with Ocwen from XXXX, every year i send them money for 6 months, after that they told to reapply. from thaat time to XXXX XXXX. they tole me that i was owen over XXXX. i keep trying with them, XXXX of XXXX they told me my nodefaction was a prove. They told me to send three months payments, and second week in XXXX i will get my loan modefaction. theXX/XX/XXXXXXXX came and did'nt received, i spoke to them, they told me to send out the payment for that month, which i did. XXXX is here, i call them they told me they are sending the papers for me to sign, and it have to be in there office by XXXXOn the XXXX i call them and told them that i did'nt received, any paper work, my modefaction don'n worry he is going to email it to me which i never receive. i receive the paper work on XXXX which i sign a and return it express mail, when i spoke they told me my modefaction was denid. when i spoke to my manager again ehe told me to send out two payments then i will get my modefaction, i told them no i am not sending no more payments, on till. i get my modefaction

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 2017-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I scheduled a payment in advance with XXXX Credit card ( Synchrony Bank ) for it to process on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, my bank notified me of this payment and rejected it due to non-sufficient funds. XXXX deposited the payment early. I have been making payments to XXXX for a few years and the payments never hit my bank account on the same day within a few hours of submitting a payment to process. There is also a disclaimer on their website that indicates when a payment is made, it takes XXXX for processing. My bank statements also shows that scenario as well. The purpose of this complaint is make everyone aware that XXXX will submit and process a payment in advance and not on the date that you ask them to process the payment and to never set up a post dated check because they process it in advance.

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 2017-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
I emailed XXXX on XX/XX/XXXX about setting up automatic payments. I received no response. 

I used the chat function on XX/XX/XXXX. I was told my application for automatic payments had been received and was being processed currently. 

Today, XX/XX/XXXX, I received an email that said there was no application on file, and to set one up. 
I went to the website, and it still said my application was sending. There is no way to create a new application when one is pending.

I am very frustrated with the incompetent people working at XXXX. One of them was not telling the truth. The application is either there or not. 
Please fix this. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I logged into my Navient account on their website. I was setting up a budget for the next year and I noticed my balance due is approximately {$18000.00}. This balance is for 3 private student loans I have through Navient. I had received these loans in XXXX XXXX, XXXX XXXX and XXXX XXXX. My original loans balances ( added together ) was approximately {$19000.00}. As of this date my loan balance is approximately {$18000.00}. In XXXX, I was paying a payment of approximately {$450.00} ( 3 months ). That dropped to {$130.00} ( for 2 months ). It was then raised again to {$230.00} ( 18 months ). Then my payment dropped to {$180.00} ( 18 months ). Then it raised again to {$210.00} ( which I  have been paying since XXXX ). Navient states that my expected pay-off date is XXXX. I was looking at the break down of the payment and how it is applied. I am pay way more toward interest then I am toward the principal every month. One of my loans balance started off at {$5500.00}, its balance is now {$5400.00}. And I have been paying on that loan since XXXX. Another one of my loans original balance was {$7000.00}, and its current balance is {$6800.00}. Again I have been paying on this loan ( the longest ). My 3rd loan original balance  was {$7000.00} and its current balance is {$5700.00}. I understand that I have somewhat high interest rates ( 12.875 %, 11.75 %, & 10.375 %, respectively ) and my rate is variable, however I feel that my balance should be decreasing more. I had contacted Navient in the past about difficulty making payments. I was set up on payment plans that last approximately 18 months. But again my INTEREST payments are greater than {$150.00} but my principal payments are usually less than {$65.00}! I was also charged a disbursement fee of {$210.00} on my 1st loan in XXXX. I have several principal payments that are less than {$20.00}, but the principal payments were greater than {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
On XXXX, XXXX XXXX I was looking to purchase a new vehicle ( XXXX XXXX Coupe XXXX ) from XXXX  XXXX Auto and I decided to finance the vehicle. It was n't even XXXX hours and I noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, I decided to return the vehicle the very next day because of this Issue And as of today XXXX/XXXX/XXXX I 'm still seeing XXXX XXXX XXXX on my Credit Report from Both XXXX and XXXX. I 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX  applied for me. Exeter Financial and XXXX XXXX which are both Hard inquiries on my Credit Report. I did n't have the vehicle for more then XXXX hours and It 's still on my credit report today XXXX/XXXX/XXXX. I hope this issue gets fixed. 


If you have any questions please do not hestiate to call me ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I made purchases in XXXX, I should be getting XXXX ( based on chat with XXXX ) points after many attempts XXXX has still yet to transfer the points into my XXXX account. It has been 3 months. XXXX wanted me to call XXXX which I did, and XXXX refused responsibility. Then I called XXXX many times, but never was given a solution or explanation on why I did not get the points. 

In addition, we verified my XXXX account is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
All DEBTS PRIOR TO XXXX/XXXX/XXXX HAS BEEN DISCHARGED THRU MY CHAPTER XXXX BANKRUPCTY A CREDITOR NAMED ( XXXX XXXX CREDIT BUREAU ) IS REPORTING A COLLECTION WITH TOTAL OF XXXX WHICH SHOULD NOT HAVE BEEN ALLOWED TO APPEAR. THIS HAS BEEN PLACED ON CREDIT REPORT ILLEGALLY AS OF XXXX/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 2017-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have been charged several over drafts fees with in the last 3 months the total is XXXX of over drafts fees which is outrageous. 4 of them I will be responsible for. td bank are scammers. its like I was forced to sign up for the overdraft protect plan. because live from check to check and I need to pay my rent and feed my child. how will I be able to provided for my child I will just like my money back from td AND IAM GOING TO CLOSE MY ACCOUNT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: KEYCORP
State: NY

Complaint narrative:
Key Bank credit-card customer service stated XX/X/17 my card had been "blocked" - that a "block" had been put on my credit card but could not explain why and/or the reason for this. Key Bank credit-card customer service also stated that in order to receive my new credit card (with new expiration date etc.) I must pay my entire overall balance in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I have been trying to put my private loan into in-school deferment. I called several times since the beginning of my school semester, which started in XXXX XXXX. I spoke to several representatives and supervisors and each time I get a different excuse as to why my loan will not be put into in-school deferment. I have sent every document they have requested from me. including documents felled out and sent by college representatives. I was told this is an easy process and each time I call in to find out what is going on they seem to put the blame on the former representatives that I have already spoken to. They keep telling me that the documentation that is requested is incorrect and I have to do something else. I have been trying to avoid this being reported to the credit bureau because this is out of my control. 
I do attend college half-time. I am a student with XXXX University and a transient student with University XXXX XXXX XXXX XXXX. I am taking XXXX credit hours this fall XXXX semester and both colleges have reported to clearing house. The problem is that I am less than half time according to clearing house because my attendance is in XXXX different colleges. Navient is aware of this and has told me not to worry this is an easy fix with a statement from one of my colleges. Well I have done everything I could and provided numerous documents and they still refuse to put my loan into in-school deferment. I am registered for the spring XXXX semester as a full-time student and in XXXX there should not be an issue, but until then I need my loan with them to go into in-school deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
The Account Was paid, we did a 3-Way call with XXXX and XXXX Verified that the balance is {$0.00}. # 3 on the XXXX XXXX, Now it I showing up on the Credit Report again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Identity theft

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 2017-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
They call every hour on the hour, they dont leave messages so I dont know who they are calling for. While Im aware of my debt, I wont answer a call unless I know who they are and who they work for. Ive called the companies multiple times about my debt and was told they cant work with me. Yet I received text messages constantly saying they are willing to work with me. XXXX XXXX is where most of my debt lies, Im aware of the issue, but calling constantly and not giving me information about who they are is a problem. When they leave a message its vague and say this is going to directly impact my life. Now they constantly call on unknown numbers that I can not trace to verify authenticity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MI

Complaint narrative:
I was admitted to the Emergency Room at XXXX XXXX in Ohio while on XXXX XXXX orders. This was ordered by my XXXX. My human resource XXXX submitted the documentation to bill XXXX. The hospital said that they XXXX has denied claim. XXXX says it was never billed. I have hounded by collection agents, had my credit score negatively impacted, and ca n't get a higher security clearance which prevents me from getting a better job. I have spent literally dozens of hours on the phone and email over the past 20 months and emailed my congressman. All to no avail. I have all the documentation to support my claims. 

Collections have been placed though XXXX XXXX XXXX XXXX, law offices of XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I was looking to purchase a new vehicle ( XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX and I decided to finance the vehicle. It was n't even 24 hours and I noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, I decided to return the vehicle the very next day because of this Issue And as of today XX/XX/XXXX I 'm still seeing XXXX XXXX XXXX on my Credit Report from Both XXXX and XXXX. I 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX applied for me. XXXX XXXX and Ally Financial which are both Hard inquiries on my Credit Report. I did n't have the vehicle for more then 24 hours and It 's still on my credit report today XX/XX/XXXX. I hope this issue gets fixed. 


If you have any questions please do not hestiate to call me ( 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 2017-12-08 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: U.S. BANCORP
State: MO

Complaint narrative:
Earlier this year after making my complaint about paying on line alleging the practice was unfair and discriminatory towards people on XXXX and retirees US bank falsely reported my loan balance in an amount that was higher than what I actually owed them. After having no resolve with then I disputed the amount with the credit bureaus and submitted evidence ( my mortgage statement ) that my balance was not what US bank was reporting .... The credit bureaus corrected the balance. as of XXXX of 2016. a couple months later I noticed that US bank was not reporting my payments after that. I notified them of the problem but never got any real resolve. I had spoken with them on a few occasions about it however here we are 6 months later they are still not reporting my payments and the reduced principal balance. I have recently taken the initiative to report it myself by sending in statements of over the last 6 months showing the payments made and the reduced balance. It is my belief the actions of XXXX XXXX XXXX XXXX is retaliatory for my alleging what I then and now consider a discriminatory practice toward people who are on fixed incomes such as XXXX, ssi or retired because their online payment system penalizes people who do n't pay their bills on or before the first of the month due to being on a fixed income and I expressed offense when a representative suggested I pay an extra payment in order to avoid a {$5.00} charge to pay my bill on time online and I called the charge a late fee. I was refused proper direction as well when asked how to properly file a complaint regarding both matters

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 2017-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX when my home was for sale with and agent there was a water leak that flooded part of my home. I informed Wells Fargo immediately when this occurred to see if I could get relief. Of course there was not response. I contacted my insurance company and they brought in equipment to dry the floors, but as they were wood, they were ruined in 2 rooms with some baseboard damage. I settled with the insurance company and informed Wells Fargo loss department that I had settled, pick out flooring at The XXXX XXXX and had a quote. The representative said they worked with XXXX XXXX all the time and I just needed to send the check and the quote and they would cut a check to myself and XXXX XXXX. I received the loss draft and overnighted it to Wells Fargo Loss Draft department on XX/XX/XXXX. After several calls and excuses by Wells Fargo they finally sent the check to me on XX/XX/XXXX. I had to then order the carpet and all the work was completed on XXXX. I requested the Loss Draft Department to apply the excess insurance proceeds to go towards my payments per my Note with Wells Fargo. If these funds had been applied as requested my loan would have been current. Instead they posted my home for foreclosure added attorney fees and demanded the payments even though they had the payments. Since that time I have been trying to deal with them to get the payments posted. Yesterday when I called them they said they were recording the call and again refused to post these payment and posted the foreclosure again for XX/XX/XXXX. Even though they acknowledged the work for the repairs was 100 % complete. This has caused buyers to avoid my home as well as causing extreme XXXX on my wife, her XXXX XXXX XXXX XXXX, and myself. I am XXXX years old and lost my job in XXXX. I have to take an entry level position and my income is only XXXX of what it was before. I am trying to get out of this loan and they will be completely satisfied when it sells. I was only trying to make a small amount as this was my retirement. If my only recourse is to sue them in civil court I am prepared to do so.

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 2017-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
MCM DID IT AGAIN! VIOLATING ALL ACT 'S ... .... 

I FILED CHAPTER XXXX BANKRUPTCY ON XXXX, PETETION XXXX AND A AUTO-MATIC STAY WAS IN EFFECT ONXX/XX/XXXX MCM PULLED MY CREDIT ON XXXX AND XXXX. ( SEE attached ) INVASION OF PRIVACY, CONTEMPT OF COURT ORDER STAY TO CEASE ANY AND ALL ACTIVITIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
The problem I am having is because Ocwen my loan servicer made mistakes on my escrow account. I even talk with the company about the mistake and was told that I did not know what I was talking about. Then in XXXX they told me a mistake was made and they took out a loan to cover it and I now have a extra XXXX monthly on to my mortgage. I 'm XXXX since XXXX. I am on a fixed income XXXX is a lot for me in my budget as I stated in complaint with Illinois XXXX I feel they should eat their mistake when I called and made them aware. As I began to asked question. A lot of home owner have the same problem my mother has Ocwen and had the exact same incident. I would ask the you please look in to this because I very well may lose my home. Please help I 'm missing my left hand in a work accident in XXXX which also damage my XXXX which cause me to have XXXX pump and the XXXX pump malfunction which cased aneurysm. I hate share my story because it looks like I begging but I have worked all my life sometimes 2 jobs to make ends meet with my XXXX frustrating when trying to do the right thing

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: IQOR US INC
State: PA

Complaint narrative:
Just over ten years ago, XXXX XXXX, and/or their subsidiary collection agencies, began threatening my grandmother (co-signer) with lawsuits and my mother's work income (also a co-signer). Now, XXXX is using a collection agency called Allied Interstate to collect the debt. Allied Interstate sent me a letter proposing that I pay 1/14th of the amount I owe in order to "pay the debt in full." With the advice of a credit counselor, I contacted XXXX, listed as the original creditor, to confirm and verify this proposal. Before I could speak with a representative, the call was directed to Allied Interstate. I asked the representative, "XXXX XXXX," to request a letter from XXXX confirming the proposed debt settlement. The Allied Interstate representative stated "XXXX will never do that." He also stated, "don't listen to your credit counselor." I need to know if this is a legitimate proposal, and I have a right to know from the original creditor.

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