vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.

Complaint narrative:
1.-Last XX/XX/2018 we sent a wire transfer from XXXX, XXXX XXXX XXXX for the amount of {$10000.00} to an account in SunTrust Bank of XXXX, located at XXXX XXXX XXXX XXXX XXXX, GA. Funds were to purchased goods at USA .

At the time we didn't know that the account was fictitious, someone use Suntrust Bank to steal the funds that belongs to another final beneficiary.

The final beneficiary is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California. Phone : XXXX Our bank in XXXX  request the return of funds to Suntrust Bank but we receive a denied from the bank. They tolds us to contact fraud assistance center at XXXX but we never have an explanation of why do they have a fictitious account in their bank receiving international wire funds that belong to a legitimate provider in California.

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 2018-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
My property is up for a property foreclosure sale XX/XX/2018. I have spoke with my mortgage company Ocwen Servicing several times. I faxed requested documents with my finances to Ocwen so they could assist me with a mortgage modification. I had a reduction in my income that caused me to become delinquent with my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: FL

Complaint narrative:
XXXX XXXX XXXX granted me two -- -three month deferrals on my payments due to Hurricane IRMA.THE DEFERRAL WERE FOR XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX. A PAYMENT WAS MADE IN XXXX AS REQUIRED. XXXX is current reporting a past due amount of {$1600.00}. I disagree with this late fee. 

INTEREST AND LATE FEES WERE SUPPOSE TO BE WAIVED ALSO. The interest amount of {$3400.00} was not waived. The interest and principal was added to the balance as a balloon along with the principal. The late fees of {$350.00} were eventually waived as promised. 

XXXX is currently reporting a Balloon Payment amount of {$10000.00}. This incorrect also. the amount should be ( {$10000.00} -- {$3400.00} ). 

I have been in contact with XXXX since XXXX concerning this issue. I m called from the collection department and they are not aware of the IRMA deferral. No one at the bank seems to know what was agreed to and how to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have been getting a phone call a day for almost a year now. Every call comes from a different state. The company is called portfolio recovery. I believe they are a debt collector. I do not owe anything to anybody. I have excellent credit. I do not answer most of the calls. Three times I have picked up and told them to stop calling me. Every time I am told that my number in not in their system. Every time I am told they will have their supervisor take care of this. But the calls keep coming. Please make them stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XX/XX/XXXX I applied for loan to refinance my home. I wanted to pull a small amount out and do repairs on my home built in XXXX. Got thru the process until it came time for OCWEN to provide pay off. I was told at that time that the pay off would not be the actual payoff, that I needed to pay OCWEN 25 % of equity the house accrued since my XXXX. Modification. The housing market at that time priced the home at about {$320.00}. OCWEN Wanted me to pay for an appraisal because they felt the house was worth about XXXX. I wouldve had to take out an additional XXXX {$60000.00} to pay them off which I could not afford. So they would not give the mortgage company a pay off and I was stuck. XXXX provided me with a copy of the loan and he did state I have to pay 25 % back. Although I cant imagine I wouldve agreed to pay 25 % of the equity in my home upon selling refinancing or giving it away and or giving inheritance. No lawn company will touch my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello someone has been using my credit to drive a cars. I have 2 cars in my name that needs to be removed XXXX and XXXX. I never seen these cars before. I have XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX  XXXX  what are these accounts. please help me this is ruining my life please.

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 2018-10-03 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: NY

Complaint narrative:
Hello someone has been using my credit to drive a cars. I have 2 cars in my name that needs to be removed XXXX  and XXXX. I never seen these cars before. I have XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  what are these accounts. please help me this is ruining my life please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2018 We placed a freeze on our XXXX and XXXX account. On that same day we sent a certified letter to all three Credit Bureaus, asking that they delete the incorrect Bankruptcy information. We received dispute outcomes from all three Bureaus stating that they confirmed the information that they are reporting ( see PDF ). The Bankruptcy Court does not directly report to Credit Bureaus, and both XXXX and XXXX are not allowed to confirm any information when they are placed under a freeze. Therefore we request that the incorrect Bankruptcy be deleted from my Credit Report, as we previously asked all three Credit Bureaus to do via certified mail. Thank you in advance for your assistance regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2018 We placed a freeze on our XXXX and XXXX account. On that same day we sent a certified letter to all three Credit Bureaus, asking that they delete the incorrect Bankruptcy information. We received dispute outcomes from all three Bureaus stating that they confirmed the information that they are reporting ( see PDF ). The Bankruptcy Court does not directly report to Credit Bureaus, and both XXXX and XXXX are not allowed to confirm any information when they are placed under a freeze. Therefore we request that the incorrect Bankruptcy be deleted from my Credit Report, as we previously asked all three Credit Bureaus to do via certified mail. Thank you in advance for your assistance regarding this matter.

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 2018-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
XX/XX/XXXX : I recently traded-in my XXXX XXXX XXXX XXXX for a a brand new vechile, XXXX XXXX XXXX XXXX from Honda Financial in XXXX XXXX. Last week, I received a letter stating to contact my dealership to see if I qualify for GAP refund since I decided to cancel it. First, I contacted the sales person who helped me and she wasnt available to respond to my text after telling her the situation. Then so my fianc and I went to the dealership and was told that since we put {$0.00} down payment during the time of visit, the GAP refund ( {$2600.00} ) was used as part of the down payment. However, I was not aware that they transferred the GAP refund to my down payment. I just called the Honda Financial and spoke to the GM and I was told that thats what they usually do and theres nothing I can or they can do because I signed the contact. It was very clear to me that the reason why I am paying {$540.00} for the car that I got was because I did not put a down payment and purchased GAP and maintenance. However, it turns out I did put down, down payment through GAP refund. I think as a buyer, they should have informed me about this. According to the manager, they disclosed it to me but I was probably not paying attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: FL

Complaint narrative:
Contract Callers Inc used fake verification after I asked them to validate the dept this collection is not mine and I want them remove from my credit report on the bill statement they sent XXXX has the total due date XX/XX/2018 but on my credit report it says that this account with contract callers was open a year ago. The dates do not match up and also has the wrong address on it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
This is my 2nd time coming to CFPB for help. This is my 2nd time to trying get a result. I wonder can something be done. As explained before back in XX/XX/XXXX I was a XXXX  victim. I had a XXXX. It was a most horrible time a tragic period. I'm still making a comeback. With job and life, I can not work fast, I have to do things slowly very slowly. I spend almost 2 weeks in a hospital one to next. Back in XXXX my wife left me to pay all the bills I did the best I can. But I came up short so I asked the bank to help. They did what they can. I was approved for a loan medication when I got the hospital. I explained I just got out the hospital I can not start paying on it now, they explained to me just re-apply it will come back approved no problem. I called several times and again and again they told me the same thing. Just apply again it will comeback approved. Are you sure? Yes, was the answer. When I try to apply now I cant get a approval from them. I've asked them several times. Now, its always no.. I don't know what to do. What happened to before. Who can I contact. They guarantee me something before. They assured me I would get approved. What can be done? I got put into a hospital under a life on death watch. It was not my fault. Just one more chance, just one more shot. I will pay on time. Please, I was not working when I got out the hospital could not pay a penny until I got well. Now, I willing to pay. I could not walk, or talk or write. I couldn't do anything for myself. Now, I can do a little for myself. Please help me, thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I attempted to obtain my yearly free credit report on or about XX/XX/2018 via the XXXX website. I was able to get one from XXXX but there was a technical glitch when I went to get the ones from Experian and XXXX. I submitted a customer service request via the website form stating that I wasn't able to get the Experian or XXXX reports but I received a letter in the mail from Experian stating I had already received my free annual credit report. A date of my having received this report was not given. I rarely request my credit report. Perhaps every three years or so - I'm sure you can check that figure. I believe the date they claim I " received '' my credit report was the exact date I sent the customer service request email stating that I was not able to view, print or download the reports.

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 2018-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Oklahoma Motor Credit Company
State: OK

Complaint narrative:
I filed bankruptcy on XX/XX/2018. I have a vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, OK. I had financial difficulties and was not able to make a payment. This was during my bankruptcy. I finally got my discharge in the mail on XX/XX/2018. When I talked to the representative today, I was told that " we are not going to put a payment at the end of the loan because you are behind ''. This late payment was during the bankruptcy and it was my understanding that they could not come after me for that payment. I never have been behind on any payment the whole time I have had the loan. I only get paid once a month on Social Security and I am a senior citizen with health issues. All I am asking if for some help with some kind of arrangement. They are the rudest people ever!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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 — Problem with personal statement of dispute
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I am a XXXX veteran who recently sold my home and am building a home contingent on my credit. The below mistake is severely impacting my ability to qualify for this home. 

I am attaching the most recent report from Credit report provided by my Lender.. 


As requested I am submitting a written request identifying the error and a copy of the Credit Bureau Report with AmeriHome Mortgage Company showing we have 30+ days late payment however this loan has been PAID IN FULL XX/XX/2018 and due to a delayed closing its showing we missed payment of {$1800.00} ( give or take a few cents ) As mentioned in the below email originally sent XX/XX/2018 to AmeriHome Mortgage and multiple times after. I had explained in detail that our home closing was delayed causing it to appear as a late payment but the mortgage was paid IN FULL XX/XX/2018. 

Once I saw this on my credit report I immediately called asking how this could be corrected. I was told to email them which I did multiple times. I also called to follow up and told the same thing. I continued to forward on the request for adjuatment. I never received a response as of XX/XX/2018 so I called and was told this was denied and I would need to call the Credit Bureau myself in which I did. Now I am reaching out to resolve this. 
I have made several calls and e-mail attempts to resolve this via CFPB. 

I have not missed ANY payments, or paid late at anytime in the 2+ years we have been had our mortgage. 
I want you to know that I fully understand my financial obligations, and if it werent for us having a delay on the closing date of our home and the pay off being delayed this wouldnt have happened. 

I understand this was a mistake due to unexpected delay on closing but since then WITHIN days the loan was been paid in full. Our history has shown in more than 2 years a record of on-time payments. 

We are in the middle of qualifying for VA Loan for new mortgage, and its come to my attention that the delayed payment on my credit report record has severely hurt my ability to qualify. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. I have recently paid off all of my debt and it would help me immensely if this could be fixed and adjusted to remove the late payment. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX, I processed a large payment of {$18000.00} through my online banking service ( XXXX XXXX  ) to pay off our credit card bill. I inadvertently sent the payment to another credit card company ( Chase Card Services ) which was my old XXXX Visa card that I had not used since XXXX. 

On XX/XX/XXXX, I realized the error I made and contact my bank ( XXXX ) who stated that the payment had already been processed by Chase and deposited into their JPMorgan account and that I needed to contact Chase to obtain the refund. 

On XX/XX/XXXX, I contacted XXXX at Chase XXXX and explained to him what occurred. He stated he would submit an inquiry using my old XXXX account and the inquiry would be completed within 14 days. 

On XX/XX/XXXX I contacted Chase for a follow up and spoke first with XXXX who stated that my record showed that there was an inquiry but there was no overpayment posted to my old account. She advised me to contact Chase customer service and gave me XXXX. I called that number which stated that that number is no longer in use and to call XXXX which tell you to call XXXX. 

I have a copy of the check that XXXX sent to Chase Card Services and the account number to which JPMorgan the holding company for Chase deposited the {$18000.00} into. 

I made an error and should have sent that amount of money via personal check rather than online and making the error. However, Chase/JPMorgan should be able to identify within 14 days why they can not post {$18000.00} to an account that has been closed and return the check as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: OH

Complaint narrative:
I opened an account at Key Bank on XX/XX/18 and deposited 3 checks totaling {$960.00}. The account was then blocked and closed on XX/XX/18, the funds have been disbursed to Key Bank, key bank has notated that the checks are counterfeit which I have contacted the banks that issued them and verified they are absolutely not counterfeit checks. Key refuses to release the funds to me because XXXX in Fraud has locked my account and the branch nor anyone else except for XXXX dept can give me any information on this but its an internal dept and I cant talk to them. This is extremely concerning

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I sent them a request on XX/XX/2018 to send me all the information about the car loan, the repossession and the sale of the car. they refuse to send me any paper work because I am the co-owner of the vehicle. they stated that all information was sent to owner ( who lives 3 hours away ) and states that she has not received any thing from them, including information about getting the vehicle back or how much the vehicle was sold for or where. been trying for years to resolve this issue, but getting no satisfaction. the amount owed changes constantly on the credit reports and is never reported accurately on all three.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Terrill Outsourcing Group
State: UT

Complaint narrative:
Yesterday, XX/XX/2018, a man called my employer by the name of XXXX XXXX and was very rude to the receptionist when she explained that I was not there. He indicated that he was collecting on a debt and told her to demand that I call him back at XXXX. As I researched this, it is to XXXX XXXX ... a debt collection agency. I do not owe them money. They contacted my work at XXXX which is unusual because I have never used that work number on any loan or credit card that I have applied to. Honestly, I do not know what that number is. What I do know is that this XXXX found out where I worked for the national register for XXXX that is posted on the internet as I am licensed nationally and then called my work. I CAN NOT ACCEPT PERSONAL PHONE CALLS AT WORK ... I WILL BE TERMINATED. Yet ... this firm continues to call. I have no paperwork in the mail telling me what this debt is. I've never heard of them. XXXX XXXX also claims to be an attorney. I do not appreciate him calling my work telling a receptionist that I have bad debts and bad checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX , XXXX Is not my account. The credit reporting agency continues to report it. I have disputed it 3-5 times. They refuse to delete it. I have never heard of the company nor have any knowledge of the company they represent. As a consumer, I am helpless I have no way of proving its a fraudulent account.

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