vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX. I attempted several times to obtain a modification unsuccessfully. I attempted to short-sale unsuccessfully. The name of the game was DELAY, DELAY, DELAY. My home at XXXX XXXX XXXX XXXX, XXXX  XXXX was eventually foreclosed on. I am including the documents. CFPB received a response from XXXX XXXXXXXX XXXX now XXXXXXXX XXXX on XX/XX/2018 on a complaint I filed to be included in the settlement that XXXXXXXX XXXX, XXXX XXXX and now Ocwen Loan Servicing are all attached and in the loop. This is the same problem some seven years later now of one finance institution transferring the loan to another finance institution to another serving institution in order to avoid working with the home owner.It can get so confusing that they hope the consumer ( home owner ) gives up. They are then off the hook. NOT HERE! I am now filing my complaint against Ocwen Loan Servicing, LLC. I would appreciate CFPB contacting Ocwen and  getting their response or better yet Ocwen resolving the issue by sending me my portion of the settlement. Anything less then once I receive a different response, then I can turn all this over to my attorney who awaits Ocwen 's response. Then we can let the attorneys work out a settlement. I have not been contacted by Ocwen by letter or phone over the last five and a half years since moving to XXXX XXXX and since my home was foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2018 I mailed a letter of validation to XXXX XXXX. The letter was sent via US Postal service certified mail which was received by Midland on XX/XX/2018. XXXX XXXX has NOT validated the said debt as of today. The only letters I am receiving from Midland are the ones attached to this complaint. I would like these items immediately removed from all three credit bureaus as it is damaging my credit. By law of the Fair Credit Reporting Act, they must be removed due to the 30 day notice that was sent to Midland and the company could not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Greystone Alliance LLC
State: CA

Complaint narrative:
My husband and myself gotten multiple calls from XXXX this past week. I was told that this is for a debt from XX/XX/2009. I was told that there was mail returned to them from an address that I moved from over 9 years ago. I was told that they have filed charges against me and threatened to sue me for this debt. I asked them about the statue of limitations and was told there is no limitations and they can sue me and put me in jail at any time. I told them I am not claiming ownership of this debt and would contact the CFPB for assistance. The last rep I spoke to was XXXX XXXX XXXX at XXXXXXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Filed a dispute with Experian Report Number XXXX, XX/XX/2018 and I included a consumer statement to be placed in the file. 

Received the update credit report and no reference was placed in the file to my consumer statement. Their management, supervision and follow up is very poor at best. 

They are more concerned with signing you up for fee based services than correcting errors. When you call their number their messages while on lengthy holds are allow about selling you services. 

The legislature needs to remove the loop holes in the law that allows them to operate in this fashion. Thank you for look into this.

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 2018-07-02 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: IL

Complaint narrative:
I set up a payment plan with Navient for both Federal and Private loans. I have payments scheduled on due dates, the " amount due '' says {$0.00}, yet it shows " past due. '' When payments are made to private loans, there is a " past due '' amount shown after payment has been recorded. 

I have tried calling Navient, but can not get anyone to answer. Instead, I get a recorded message that disconnects the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX DOB XX/XX/XXXX. My address is XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX. I submitted letters to XXXX the beginning on XX/XX/XXXX. About accounts that aren't mine. They have failed to provide physical proof that the accounts are mine.This has been over almost 2 months roughly at this point 180 days. I've been trying to sort this out. I've sent ( 4 ) 609 letters and they haven't deleted the accounts that I'm concerned about. I'm beyond exhausted and have decided to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Chase Bank did not send me a statement. Chase Bank did not contact me until my account was 30 days past due. Since the day I received my card ( about 6 months ago ) from Chase Bank, I have not received a single statement. I'm never late on payments and never have a carryover balance on any of my credit cards. My credit score was 800+, now thanks to this unethical company it has dropped about  75 points for who knows how long. When I looked in to it, I learned my card was 0 % interest and the only way they made money off of the card was through late fees. I don't think it was a coincidence that I never received statements. I'm done with Chase and hope they're not doing this to anyone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I was scammed by someone and they refused to send the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALCHRO INC.
State: FL

Complaint narrative:
I never hired or authorized this XXXX doctor to do anything. Any services that may have been requested was done by another doctor or hospital. I never agreed to make payment or be responsible for payment. I also have XXXX XXXX XXXXXXXX with a 100 % coverage and no delectable even if I authorized the XXXX XXXX ( which I did not ) I would have been covered by my health insurance provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I purchased a XXXX XXXX from a XXXX car lot in XXXX, CA the creditor is GM Financial. The financing department as part of their sales pitch helped me to set up a reoccurring auto payment from my checking account before driving off the lot with my new car. All my payments have been on time and Ive never had an issue until XX/XX/XXXX when I realized that my payment hadnt been processed like normal. When I called GM they told me it was cancelled and that the system cancelled the auto pay based off of a date put in by the salesperson. I was never given anything in writing about my auto pay being cancelled after a certain amount of time nor was I sent any mail, email correspondence and I never received a call or talked to anyone from GM. I called and re-initiated my auto pay with GMs help after finding out I was late due to this error that I should be held responsible for. Ive talked to CS Reps and Supervisors as of XXXX on a XX/XX/XXXX and back in XX/XX/XXXX and no one will help me. They said its my fault I have a negative rating on my credit report. Im in the middle of buying a house and that dropped my score almost 30 points. Ive never had any late accounts on my credit until this happened and it hurt me because Im in the middle of an escrow. I need GM to remove this negative rating and ASAP! Ive been a loyal good paying customer never late and this is how Im treated when it wasnt my fault but the fault of a GM representative. I have contacted the credit bureaus to dispute but havent heard back and GM wont help me either. I need this fixed ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: CL Holdings LLC
State: GA

Complaint narrative:
I took out a student loan with XXXX XXXX during my tenure in school from XX/XX/XXXX-XX/XX/XXXX, total amount close to around 15K. After graduation I was struggling to make ends meet with no job and a new baby. I called XXXX XXXX several times and sent in paperwork indicating I was not working. I was placed on deferment, respectively. I began working in XX/XX/XXXXand called XXXX XXXX and was advised that I needed to stay in deferment vs income driven repayment plan since my income was so low. I was provided unclear information and was told I would be contacted via mail. From year to year I would call and update my information and finances and would continue to be told I made under a certain threshold and to stay in forbearance. Around XX/XX/XXXX ( my birthday ), I called and my loan was no longer with them and I was directed to XXXX. Same as XXXX XXXX I would call and ask to be set up on a plan and I would receive the same information. It was at the time that I wanted to begin a payment plan as I was working directly in XXXX XXXX and was informed that I could pay on student loans under public service loan forgiveness and be forgiven after a certain time period. I would be given the run around and was even told at one point that my loans had been paid in full. I would always ask for documentation and nothing has been sent to date, even today. 
Recently, my grandmother gave me a call and I was informed that the Sheriffs office came to her home looking for me. I did some research and found that XXXX XXXX XXXX, whom I knew nothing about is sueing me and XXXX XXXX is the contact for for unpaid student loans and this is the first that I have heard of me being delinquent at all. I have no knowledge of either company until 5 business day ago. My student was not handled properly and I do not understand why I was never contacted. 
I was planning to go back to school and now this is all shocking and disheartening. Even today when I call XXXX they say my student loans are paid in full. How could that be? Now I am afraid of what will happen to me and my family as this lawyer is saying that I owe {$20000.00} and I must pay now and there is nothing that I can do about it. Why didnt XXXX perform their due diligence to give me a call and place under a repayment plan. I do not feel that XXXX XXXX nor XXXX performed their due diligence to ensure that I was treated fairly as I wanted to be on income driven repayment and then public service repayment plan and they continuously recommended forbearance based off my low income. 
Please be advised that I have a new address however providing my old address as the law firm is making threats and I believe this can be handled without them having my new address. My email address and telephone number are up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: PNC Bank N.A.
State: FL

Complaint narrative:
In SXX/XX/XXXX we had Hurricane Irma hit us. We called our mortgage company, PNC, and was told we could do a natural disaster forbearance for 6 months. I continued to pay my mortgage starting in XX/XX/XXXX ; only using 3 months of the forbearance. Once the 6 months was up my loan went into loss mitigation and I was started on a trail payment plan. I paid the increase payment for 3 months. My loan is now under modification and is the interest rate is increasing by 1.25 %, increasing my payments by {$200.00} a month, and my credit score is continuing to drop. I have missed three months but PNC have been reporting my credit as I have not been paying my mortgage since XX/XX/XXXX. I have called numerous times and nobody at PNC can help me. Apparently there is no department at PNC that I can speak to that reports to the credit bureau. Me and my husbands credit score has dropped over 130 points and every month they are reporting a missed payment and it keeps dropping.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My report shows a Derogatory credit from a company I never hired or authorized to perform services. I never signed or agreed to make payment. 

I never hired or authorized this medical doctor to do anything. Any services that may have been requested was done by another doctor or hospital. I never agreed to make payment or be responsible for payment. I also have XXXX XXXX XXXX with a 100 % coverage and no deductible even if I authorized the medical services ( which I did not ) I would have been covered by my health insurance provider.

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 2018-07-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Roosen, Varchetti & Olivier, PLLC
State: GA

Complaint narrative:
I took out a student loan with XXXX XXXX during my tenure in school from XX/XX/XXXX-XX/XX/XXXX, total amount close to around 15K.  After graduation I was struggling to make ends meet with no job and a new XXXX. I called XXXX XXXX several times and sent in paperwork indicating I was not working. I was placed on deferment, respectively. I began working in XX/XX/XXXX and called XXXX XXXX and was advised that I needed to stay in deferment vs income driven repayment plan since my income was so low. I was provided unclear information and was told I would be contacted via mail. From year to year I would call and update my information and finances and would continue to be told I made under a certain threshold and to stay in forbearance. Around XX/XX/XXXX ( my birthday ), I called and my loan was no longer with them and I was directed to XXXX. Same as XXXX XXXX I would call and ask to be set up on a plan and I would receive the same information. It was at the time that I wanted to begin a payment plan as I was working directly in public service and was informed that I could pay on student loans under public service loan forgiveness and be forgiven after a certain time period. I would be given the run around and was even told at one point that my loans had been paid in full. I would always ask for documentation and nothing has been sent to date, even today. 
Recently, my grandmother gave me a call and I was informed that the Sheriffs office came to her home looking for me. I did some research and found that XXXX XXXX XXXX, whom I knew nothing about is sueing me and XXXX XXXX is the contact for for unpaid student loans and this is the first that I have heard of me being delinquent at all. I have no knowledge of either company until 5 business day ago. My student was not handled properly and I do not understand why I was never contacted. 
I was planning to go back to school and now this is all shocking and disheartening. Even today when I call XXXX they say my student loans are paid in full. How could that be? Now I am afraid of what will happen to me and my family as this lawyer is saying that I owe {$20000.00} and I must pay now and there is nothing that I can do about it. Why didnt XXXX perform their due diligence to give me a call and place under a repayment plan. I do not feel that XXXX XXXX nor XXXX  performed their due diligence to ensure that I was treated fairly as I wanted to be on income driven repayment and then public service repayment plan and they continuously recommended forbearance based off my low income. 
Please be advised that I have a new address however providing my old address as the law firm is making threats and I believe this can be handled without them having my new address. My email address and telephone number are up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: NJ

Complaint narrative:
On XX/XX/XXXX I called TRANSUNION to dispute inquires that I did not authorize. They informed me that they DO NOT dispute any inquires, that signatures do not have to be on file nor do they house that information, and that all information is factual. They said they could not help me and I would have to wait the two years even if I did not authorize them. They also informed me because they are more than 6 months old, the companies DO NOT have to respond to requests. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX I also spoke to XXXX, and was informed the same information ... 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2018-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX They have illegally re-posted an account deleted for identity theft a long time ago. They have ruined my credit and caused damages to me as I recover from Identity Theft. They contacted me out of the blue about this account that has been removed and blocked from all three bureaus demanding money. I responded in writing to them within 30 days notifying them that this account was deleted for identity theft previously and can not be re-posted, bought or sold. 

They don't care about the law at all and attacked me anyway believing that I will just take this lying down and give up. 

They opened the account in XX/XX/XXXX for {$5600.00} and updated it to post on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received a letter from Bank of America stating that they are closing my checking and savings accounts in 30 days. They will not provide me with any information as to why this is happening. I have had the accounts for more than two years and have always been in good standing with BoA. I have called the number on the notice and no one will help me. I know I am being treated unfairly, and I want answers

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 2018-07-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint Bank of America charges Charged me {$5.00} a month since XX/XX/2016. 

1. I don't receive any notice about {$5.00} maintenance fee but charged me 2 years. I thought this account has closed until I saw I have negative balance this morning. 

2. The original banker said she can give me 3 months refund. But I told her I want to request all refund since I really don't know. Her manager XXXX XXXX said not refund to me. He knew I am angry and just gave me one month refund. From our conversation, I have totally got discriminated seriously from him and NOT EQUAL OPPORTUNITY to all customers.. 

3. They said they gave me service, but I even can't see the statement online. 


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 monetary relief