vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Good morning, 4 years ago we bought our 1st home through FHA, late in life, I am XXXX my husband is XXXX and on XXXX due to a XXXX XXXX, We went through a loan modification with our 1st company OCWIN, we were approved for a permanent modification, they tacked on XXXX to the back of our mortgage which seems to be SOP, After paying the new rate for several months our mortgage was sold to XXXX XXXX XXXX ( ... this 2nd company refused to honor the modification and charged us XXXX XXXX dollars in escrow they said we owed, I cant understand that because we were current with all payments to OCWIN > Soon after we paid the XXXX they sold our mortgage to another company XXXX. ( this 3rd company also refuses to honor the commitment. <P/>I have been in contact with all these mortgage companies, i have all the relevant paperwork which has been sent to each company more than once. I have talked to their representatives several times by telephone. They dont even try to resolve the issue.. What happened to my escrow money? why is the XXXX still on the back of my loan and the permanent modification is not being honored? We are in severe financial hardship due to the reprehensible practices of these mortgage companies ... Thank you for your time and please help us sincerely XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have  Navient as my loan  servicer. I have repeatedly over the past few days attempted to make a payment online but the website kept citing an error and logging me out of my account.  <P/> I instead had to deal with the inconvenience of calling a representative during my workday and being on hold. The representative was friendly and helpful but I should be able to make the payments online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a charge account with  XXXX  Bank. Merchant made an error ordering equipment and wants me to pay for their error. The charge was put on a  XXXX  card. I am now in litigation with the merchant.  XXXX  expects me to pay and is reporting this as an over due account. The charge is still is dispute. They do not understand.

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 2017-05-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I applied at a bank to pay off a heloc loan at citizens bank. A certified check was sent with payoff of {$120000.00}. The check was received at citizens on  XXXX / XXXX / 2017 . I called for 7 days to see if they received it but they just kept saying no. So i got a tracking number ro prove it  WAS  received  XXXX / XXXX / 2017 . They finally paid the loan off but charged me interest thru  XXXX / XXXX / 2017 . I called to inquire and all they can tell me is they charged me thru  XXXX   XXXX  with no regard for receipt date. They also charged {$49.00} FEE which i have no idea what it is. They charged {$350.00} early payoff fee but i dont know what the {$49.00} fee is. I can not get any answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I took out a loan from Ally Financial i n  XXXX . First payment due on XX/XX/XXXX in amount of {$470.00}. I paid an additional {$100.00} per month towards principle, for a total payment amount of {$570.00}.    I also made Principle  payments on XX/XX/XXXX of  XXXX  ;  XX/XX/XXXX of {$5000.00} ; and  XX/XX/XXXX of {$3700.00}.   On XX/XX/XXXX  I submitted a final payment of {$1400.00}. Mailed with a letter, & amortization schedule to the listed address on the back disputing the amount they stated I owed. Then nothing till I received a statement in  XXXX  stating I still owe them {$82.00}. Which is the interest from miss-applying my monthly and one-time payments.  <P/> I called on numerous occasions to ask why my payments have not been applied properly. My first call was  XX/XX/XXXX . Ally was taking the extra $  XXXX  month and applying them toward future payments even after I asked them to be applied towards principle. Ally even applied my one-time principle payments towards future payments instead of loan principle ( with the exception of the {$1500.00 } one ) . By Ally applying my payments in this manner they have inflated the amount of interest on my account. Now, while I have been attempting to settle this account and claim the title, they are threatening me with damaging my credit report and not sending me the title of the vehicle as well as taking further legal action.  <P/> Please help me with this matter. I understand it is not that much money, but if they are doing this to all their customers that would be Millions of dollars in extra revenue. And I have been unable to make any headway with them. They wo n't even let me speak with someone in accounting about my account.  XXXX   XXXX  just wants to collect money even if it is not their 's.  <P/>   Attached below are ( 6 ) files documenting and backing up what I have stated above.
1. Is my Final payment letter.
2. Is an Amortization Sch. for the loan.      3. Is a copy of my Final Check 4. I s   XX/XX/XXXX    Statement from Ally 5. Is the latest Call recording with Ally 6. Is a record from Ally of my payment History. Documenting how they applied my payments.

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 2017-05-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a charge account with  XXXX  Bank. Merchant made an error ordering equipment and wants me to pay for their error. The charge was put on a  XXXX  card. I am now in litigation with the merchant.  XXXX  expects me to pay and is reporting this as an over due account. The charge is still is dispute. They do not understand.

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 2017-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: DC

Complaint narrative:
I have been dealing with gm financial since the inception of my loan. We did get behind on our loan and have brought it up to terms as agreed apon. But they have refused us access to look at our account stating we do n't need to do that. They also still giving me a hard time want to charges fees to pay my car note. I feel that in not allowing me access to view my account and charging me fees to pay loan is illegal. They give me no proof I am paying my car loan. They are also said they do not need abide b y US regulati ons since they are in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: United Student Aid (USA) Funds
State: CA

Complaint narrative:
I never received any written information about wage garnishment, so I was unable to response. The day my employer received the information I called and reached out to  USA Funds and they said they are n't able to help rehabilitate my loan or stop wage garnishments. They do not want to help and I ca n't afford these payments. I wo n't be able to pay my bills or rent for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: AL

Complaint narrative:
BETWEEN  XXXX    XXXX 2017  THRU  XXXX   XXXX ,2017 I HAVE OVER  XXXX  UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT I SENT LETTERS TO ALL .AND ASK TO BE REMOVED FROM MY CREDIT FILE. IF YOU SEE MY CREDIT FILE YOU WILL SEE I HAVE HAD FRAUD ACTIVITY BEFORE ON MY ACCOUNT WHERE I PROVIDED A POLICE REPORT. PLEASE REMOVE FROM MY CREDIT FILE THESE UNAUTHORIZE INQUIRES

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 2017-05-31 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
BETWEEN  XXXX    XXXX ,2017  THRU  XXXX    XXXX ,2017  I HAVE OVER  XXXX  UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT I SENT LETTERS TO ALL .AND ASK TO BE REMOVED FROM MY CREDIT FILE. IF YOU SEE MY CREDIT FILE YOU WILL SEE I HAVE HAD FRAUD ACTIVITY BEFORE ON MY ACCOUNT WHERE I PROVIDED A POLICE REPORT. PLEASE REMOVE FROM MY CREDIT FILE THESE UNAUTHORIZE INQUIRES

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 2017-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I. And with BB & T. Thursday XX/XX/XXXX, my balance in my checking account was XXXX. Next day Friday, XX/XX/XXXX, I made 3 deposits, XXXX, XXXX, XXXX. Wednesday XX/XX/XXXX, I go into my checking account and balance is XXXX they also show that on XX/XX/XXXX, they have pending transactions for overdraft charge of XXXX and XXXX fee taken out of ssving and put in checking even though I have funds in my account to cover the cost. I called my bank and they claim that even though funds are showing in my account on the XX/XX/XXXX, and I have proof with pictures that those funds are showing on that date, they claim that it did n't post until later. Even though it shows on my account that it had.

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 2017-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
after   having a Wells Fargo Master Card for over 15 years, I was advised I was being issued a Wells Fargo Visa Card, which followed with several account # 's.
<P/>
Each month I would pay the bills but they would not show credited to my original account numbers, and sometimes would be credited to Wells Fargo Card Services.
<P/>  In the meantime they refused to give payment for my reward points, saying I was using my incorrect birthday, my birthday has always been  XXXX .  <P/> I WOULD LIKE TO S  ETTLE THIS MATTER. 1 ) I WOULD LIKE MY BIRTHDAY CORRECTED. 2 ) CANCEL ALL W/F Credit Cards, Visa or Master Cards/written confirmation ), without effecting my excellent credit rating 3 ) I would like to receive credit for all late fees and interest accumulated during this process. Est {$75.00}. 4 ) A check for my rewards earned approx. {$75.00} 5 ) After all of the confussion over these unsolicited credit cards and payments, no balance and a {$1000.00} settlement.
<P/>
After all of the years dealing with Wells Fargo, Checking, Mortgages and Credit Cards,   this is very disappointing. I have exchanged a number of letters and proofs, still no resolution. I am almost  XXXX  years old and do not want to be involved any longer with this matter.  <P/> Please Help Me.  XXXX   XXXX   XXXX  (  XXXX  XXXX  XXXX  )  XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Washington  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 non-monetary relief
Consumer complaint received 2017-05-31 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: MD

Complaint narrative:
After reviewing my credit report I noticed that there were inquiries on my report that had n't come from me. I tried calling the companies and they said that I needed to contact the bureaus. I called the bureaus and sent multiple inquiry letters but they refused to investigate and remove the inquiries. They said that the burden of proof was on me and  I needed to contact the creditors. I even contacted the Presidents of the companies via email ( all who had a Representative call me very quickly ) but still did n't get results. I sent 609 letters requesting signed proof that accounts that I did n't recognize that the bureaus are reporting belong to me and each bureau just said  that they were mine but without any form of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: Avantus, LLC
State: CT

Complaint narrative:
I had my credit report run today, trying to refinance my home mortgage that has been going up due to an adjustable rate. I have no late payments on my credit report at all except for a car loan which I made my last payment on and have never been late. In XXXX I went to see my mother in XXXX XXXX as an emergency and forgot to pay but never got a notification from the car company XXXX XXXX XXXX and I 've been pre-paying and paying extra for years. My credit report shows that I am late in the month of XXXX and we are not through the month of XXXX, I paid the entire bill off over the phone today, XX/XX/XXXX. They can not mark me for the month of XX/XX/XXXXif I was not late the entire month of XXXX and they should not mark me late at all after breaking Facra. Please have them clear my credit report of any lates, the entire loan is paid off. Please have them delete any lates and show a XXXX balance. I spoke with XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
As a service member in the United States  XXXX  when this lease was effective, I was protected under the Service Member Civil Relief Act with the right to terminate a residential lease, if there is a permanent change of duty station for no less than 90 days.  <P/> T ermination of residential or motor vehicle leasesSec. 305 ( 50 U.S.C. app. 535 )   Military persons who live in rental property are allowed to terminate leases entered into prior to a period of   XXXX   XXXX  . It applies to : ( 1 ) property leased for a dwelling or for professional, business, or farm u se, or other similar purpose, where the person leasing the property later enters  XXXX   XXXX  in military service, or where the service member executes the lease while in military service and thereafter receives military orders for a   permanent change of duty station ( PCS ) or to  XXXX  with a military unit for a period of at least 90 days.
The service member may terminate a property lease by delivering by hand, private business carrier, or mailing return receipt requested, a written notice and a copy of his or her military orders to the lessor or its agent.
<P/>  In     XXXX   2013, I did my due diligence and provided a WRITTEN NOTICE to the landlord in informing them that we were vacating the premises in 30 days due to military orders. The landlord ACCEPTED the written notice and made note that we were vacating the premises.
<P/>
To this date, there is a collections account on my credit report for {$3800.00} and this has dramatically impacted my credit score and report to the point where it is difficult for me to obtain credit and rent elsewhere!
I have attempted numerous times for the past 3.5 years to dispute this collections account. It is VERY SAD how this company and its representatives treat service   members!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Fraudulent. Transactions on  my. Wells Fargo.   XXXX   ( as per uploaded picture ). Police are treating it as a stolen card. But Wells Fargo think I  used it even though The Person in question is on  XXXX . Fraudulently using my card in the  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 2017-05-31 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: OH

Complaint narrative:
On  XXXX   XXXX   XXXX   XXXX  through  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  AZ  XXXX  reported a delinquent account of {$3400.00} on Equifax site in my name. I did not purchase any item, contracted any loan or services from  XXXX  that resulted in delinquency. I Remembered that I was employed by  XXXX  on  XXXX / XXXX /  XXXX   as an  XXXX   XXXX  until  XXXX  when my contract with them came to an end. I handed over the files of all completed and pending sales, almost  XXXX  customers to  XXXX   XXXX  who was my immediate supervisor.When I became aware of this information on my credit report, I reported to Equifax about the in accuracy of the report.  XXXX  have never contacted me about any debt after I have separated from them. I want this inaccurate information remove from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/2017  - ( {$25.00} ) My credit card company declined an automatic payment from my internet service company for the month of  XX/XX/XXXX . Due to the payment decline, I got charge with a {$25.00} fee. I contacted my credit card company about their system error, and they refused to accept the responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
money was se nt to western union to  be picked up by this person Date of Order :  XXXX / XXXX /   2017  Amount Sent :  USD   XXXX  Receiver Name :  XXXX   XXXX  tracking number mtcnDate of Order (   XXXX   ) is :  XXXX  :  XXXX / XXXX / 2017  Amount Sent :  USD   XXXX  Receiver Name :  XXXX   XXXX  Status : Picked up Status : Picked up they gave me   XXXX    number which is  XXXX  when submitted to  western they say can not be found, dont know who to contact except western union

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have submitted several letters with all  XXXX  major credit bureaus in reference to an account they are reporting with  XXXX   XXXX   XXXX . Originally the creditor had the account listed as settled less than full balance that was not correct so a dispute was sent. I sent a letter to  XXXX  and they provided me with a letter stating the account was settled in full. I provided this to all  XXXX  credit bureaus but instead of correcting the problem they just added account meets FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I contact Wells Fargo on XXXX XXXX 2017, informing them of my hardship and requested help with monthly minimum payment. The rep suggested that I could give the car back mess my credit up and still have to pay the balance. I like her know that I was able to make a payment just not the required monthly payment of {$390.00}.

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