vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I had a foreclosure sale date on my home for XX/XX/2018, however I was under a loan modification review with my servicer, Ocwen Loan Servicing. Ocwen told me they would be able to postpone the sale date because I had not received a response for my Modification review yet. Unfortunately, that was not the case and I guess my home was foreclosed on. On XX/XX/2018 I spoke to Ocwen and they advised me there was a rescission request in process ; I even received an email from the relationship manager at Ocwen, which I have attached stating there was a recission request in process and I had to wait for it to be processed. Once again I had hope and I was in constant contact with the foreclosure attorneys and they also saw the recission request and they advised all I had to do was wait. Then, I received a notice in the mail on XX/XX/2018 from an eviction attorney advising that I needed to be out of the property very soon. I don't know what's going on with my home and I'm not receiving much information from the foreclosure attorneys or from Ocwen. What I don't understand is why they would tell me they would rescind the sell and even send me an email advising it would be done, however they are trying to do the opposite and get me out of my home. I don't know what else to do and so I am turning to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
When I first leased my vehicle in XX/XX/2017, I made the first month 's payment as part of my initial lease payment which covered the first payment cycle. I was surprised to see that subsequent payment for XX/XX/2017 was marked as a missed payment on my credit report.I thought that this was extremely unfair and confusing, the sales person at my showroom did not specify when my next payment was due further I did not receive a date as to when I was supposed to make that first payment by mail or online until very late in the payment cycle. I would like Honda Financial to remove that missed payment on my credit report, I feel that this is in violation of the FCRA. This is having extremely adverse effect on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
On XX/XX/2018 Ocwen Loan Servicing provided a payoff for an investment property that I have had for approximately 11 years. The property was under contract and closed the first week of XX/XX/XXXX. I received a call from the closing attorney 's office in late XX/XX/XXXX indicating there was still a lien against the property and that I needed to pay the balance. I was told by XXXX XXXX XXXX, Paralegal XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX that she was filing a claim with the title insurance company to protect the interest of their client. I received a call and email from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and provided her with the same information I provided to XXXX. In my multiple conversations with Ocwen I have been transferred to multiple dead ends to have the problem with the incorrect payoff resolved. It is my understanding, although I have no communication from Ocwen, that foreclosure proceedings have began against the property. The loan is currently reporting as a XXXX balance across all credit bureaus and yet I am continuing to receive emails from the title insurance company and today a derogatory email that I wasn't meant to be copied on from the closing attorney 's paralegal XXXX XXXX in which she referenced me saying, " He will try and feed you a bunch of you know what, believe little of what he tells you. '' I had assumed since there had been zero communication from anyone that this matter was resolved until today exactly 5 months since the closing. I have read about multiple complaints nationwide against Ocwen for the same problem. I do not owe a balance.

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 2018-11-07 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: GA

Complaint narrative:
I submitted disputes on XX/XX/XXXX with all three credit bureaus to correct the payment history for 13 student loans from the same provider on my credit report. Each loan showed late statuses as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, for a total of 39 late ( 90-120 days ) on all three credit reports. Each of these loans was in forbearance during these periods, so no payments were due. As part of my dispute I submitted documentation from the loan servicer ( on their letterhead ) showing the periods under which the loans were under forbearance. Upon speaking with XXXX on XX/XX/XXXX, I was informed that the dispute had been completed and the loan servicer denied the document was indeed theirs and refused to further discuss the status with the reporting agency. 

I asked the representative to explain how they validated the debt in accordance with my dispute and was advised that they had no documentation to support listing this item on my credit report or confirming the dates that show as late payments. The representative advised there was nothing they would do to validate the debt or the accuracy of the reporting. This is a violation of the FCRA as they have admitted to being unable to validate items on my credit report.

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 2018-11-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted disputes on XX/XX/XXXX with all three credit bureaus to correct the payment history for 13 student loans from the same provider on my credit report. Each loan showed late statuses as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, for a total of 39 late ( 90-120 days ) on all three credit reports. Each of these loans was in forbearance during these periods, so no payments were due. As part of my dispute I submitted documentation from the loan servicer ( on their letterhead ) showing the periods under which the loans were under forbearance. Upon speaking with XXXX on XX/XX/XXXX, I was informed that the dispute had been completed and the loan servicer denied the document was indeed theirs and refused to further discuss the status with the reporting agency. 

I asked the representative to explain how they validated the debt in accordance with my dispute and was advised that they had no documentation to support listing this item on my credit report or confirming the dates that show as late payments. The representative advised there was nothing they would do to validate the debt or the accuracy of the reporting. This is a violation of the FCRA as they have admitted to being unable to validate items on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing a complaint because Experian has ignored my request to provide me with the documentation that they have on file that was used to verify the accounts that I disputed. It is well past the 30 day mark and they can not verify these accounts. Under the Fair Credit Reporting Act section 611 ( 5 ) ( A ) - they are required to promptly remove all information which can not be verified that I have disputed. Pleas resolve this issue as soon as possible. Greatly appreciated. Thank You.

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 2018-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In the month of XX/XX/XXXX my employer XXXX was involved in Hurricane Florence. I informed Capital One of this information and they initially agreed to assist me and not report my account as delinquent. I was out of work from XX/XX/2018-XX/XX/2018 and was not able to make any payments toward this account or others. I also was told that I would be alright until I returned to work. 

Capital One negatively reported to the 3 bureaus that I was delinquent in my payments and because of this I was denied a vehicle loan by my bank. Capital One failed to properly investigate this circumstance and would not take any accountability for the inaccurate reporting that took place for month of XX/XX/XXXX, or XX/XX/XXXX. It is not right and the other companies in which I hold cards did not report missing payments. I was told that this could be removed from my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I filed a dispute for a charge of {$1800.00} that was a fraudulent company impersonating my timeshare company. I have spoken to Chase several times to resolve this for several hours. XX/XX/XXXX I was told it would be corrected after having a 3 way call with their fraud and dispute department. I received the credit on my statement, which was done twice erroneously, and corrected the next day. The correction, however, was done to both credits so I called again to have it reremoved and one person said it would be taken care of because she saw the error and had to transfer me to the right person to do so. That person then told me it showed I called to say the charge was valid which was both untrue and made zero sense. I have almost 20,000 in charges from XXXX XXXX XXXX and have no qualms paying for my legitimate charges but would appreciate assistance in getting fraudulent charges removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: PNC Bank N.A.
State: IL

Complaint narrative:
XXXX, I am notifying you in writing of the ongoing issue I am having with PNC. 
On XXXX-XXXX-18, check # XXXX was cashed for {$7500.00}. The balance owed to PNC Visa was {$1500.00}, an overpayment of {$6000.00}. I was the one that caught this error, not PNC. 
After speaking with many people in the escalations department and local assistant branch manager, XXXX XXXX PNC, I received notice ( in writing ) that the {$7500.00} was returned to my account. 
For statement ending XXXX-XXXX-18, I received a statement for charges made to my Visa for {$4800.00}, which would have been about 3 months of charges and was almost accurate with credits for past due and finance charges needed. 
The issue is that on XXXX-XXXX-18, check # XXXX was cashed again for the 2nd time, without any notice. 
The 2nd problem is that this {$7500.00} payment has not been applied to my Visa account. 
The {$7500.00} has been removed from my checking account but not applied to my credit card. 
No one can tell me where the funds went. 
I spoke to XXXX XXXX on XXXX from XXXX to XXXX, she assured me that this would get this resolved in a couple of days and that she would touch base with me on Friday, XXXX. 
I did not hear from XXXX on XXXX, so I called and left a message at XXXX on XXXX. 
She did return my call later that day letting me know no progress has been made. 
As of today, XXXX, I left XXXX another message at XXXX, no progress or any kind of resolution has happened to my missing {$7.00}, XXXX. XXXX. 
This is the worst customer service issue I have ever experienced. 
After having a 28 year experience with PNC, my disappointment and frustration is at an all -time high. 
I expect immediate resolution of this issue. 
I have spent hours trying to resolve this issue with no success. 
I would like the {$7500.00} returned to my checking account, all late fees/finance charges removed, and an accurate statement of the charges owed on this Visa account. I will pay the balance immediately once Im satisfied that the {$7500.00} is returned and WILL NOT BE removed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: Innovis
State: ND

Complaint narrative:
I have contacted Innovis on numerous occasions, both by phone and mail, and tried to have them explain to me how they are verifying this erroneous reporting account as accurate, and they always reply with, " we obtain our information from the credit bureaus for this account. '' The credit bureau, or any agency that sells information " for profit '' for credit reporting purposes, are NOT the original creditor for this erroneous reporting account, and any reporting of accounts, except by the original creditor of the account, should not be considered as trusted information and deemed verified. If Innovis can not provide me with satisfactory written proof of the creditor they contacted, the creditors phone number, and the name of the customer service rep that provided Innovis the information to verify the account, they are in violation of my FCRA rights and by law, they MUST delete this erroneous account from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Today XX/XX/2018 XXXX I logged in to Navient to see a snapshot of my loans in deferment status. To my surprise I saw a loan that was past due XX/XX/2018 and possibly charged a late fee. I was unaware of this loan under Navient and to my knowledge this I wa not delinquent on any loans. Also some financial apps that I belong to such as XXXX gave a message that my loan was past due and I became concerned today. I called Navient and wanted to find out why was I past due now and nobody informed me, what were the details of this loan, why it was not past due before and no alerts, and why was it in collection status missing so many payments and accruing interest at a rate of 6 %. This loan was past due 210 days I was informed with a current balance of {$20000.00} according to Navient rep XXXX id # XXXX. I tried to get more details but she was not able to provide them. She told me this loan was in collections and past due and that my credit could be ruined if no payment was made. Also she told me this loan could go into default and delinquent. I informed XXXX that I am a XXXX veteran and that under federal law I am protected under certain circumstances. I might need to contact an attorney if I have to to know if my rights have been violated as a XXXX Veteran. Last time I was in touch with Navient was in XX/XX/2018 when they approved my Income-Driven Repayment Plan for my federal loans. Nobody told me about this loan was on file and on collections as far as I can remember. I have included copies of my student loans I printed from Navient. When I called nobody could give a straight answer but they kept me switching from one rep to another starting with XXXX id # XXXX, XXXX id # XXXX and XXXX id # XXXX. But after talking to XXXX last rep I am still confused and don't know what is going to happen with this loan, my credit history, and I am not sure if my rights as a XXXX Veteran have been violated. I need the help of CFPB and advice on this issue and what to do. Thank you. Also I don't want Navient that by me contacting them was a reason to restart the collection process and see it as a " negotiation '' call. XXXX  the rep I was talking to was pushing me to make a payment but I refused since I did not know what loan she was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
History : My mortgage was sold by XXXX XXXX to Ditech Financial in XX/XX/2018. 

Once my account got transferred over to Ditech, I wanted to prepay about 25-30 % of my remaining mortgage for the purpose of saving some interest and re-allocating some of my portfolio to the tune of {$120000.00}. 

I made a few test payments, through Ditech 's bill pay ( {$10000.00} ) as well my Credit Unions bill pay ( {$1000.00} ). It went fine. 

Then I made a bill pay transaction for {$100000.00}, through my Credit Union 's  setup. They mailed a cheque and Ditech cashed it on XX/XX/2018. I had added a memo, " Please apply to Principal '' ). 

To my surprise, only {$9000.00} of the {$100000.00} was applied to my Principal, with the remaining {$100000.00} unaccounted for. 

Multiple calls to Ditech resulted in vague denials/reasons, it probably will happen in a few days to nothing happening so far. 

I'm concerned that this company is committing some kind of fraud with my money. 

Please take action against these guys.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I have been a victim of identity theft and for that reason I placed a fraud alert on my credit report with all 3 bureaus while I fix inaccuracies and unauthorized accounts and inquiries. I was able to get most information removed thru written disputes, which I notarized and sent certified mail to each collection agency and then to each bureau. XXXX, XXXX and XXXX. I was successfully able to remove information from XXXX  and XXXX. However, XXXX  and the collection agency Transworld Systems/51 has given me a very hard time. I sent a certified letter to Transworld Systems asking them to validate a medical collection, that I have no knowledge of. They NEVER responsded to my letter. According to my return receipt, it was signed for by XXXX XXXX on XX/XX/18. I then sent disputes of these medical collections to XXXX. My first letter was received and signed for on XX/XX/XXXX. I'm not able to make out the name from the signature. They sent me dispute results dated XXXX stating the the accounts had been " verified ''. I immediately sent them another dispute requesting proof of how this debt was verified or any type of supporting documentation since the creditor refuses to furnish any documents. My second dispute was received by XXXX  on XX/XX/XXXX and on XX/XX/XXXX they sent me an email stating my reinvestigation had been started. As of today, XX/XX/18 XXXX has again stated that these accounts have been " verified '' but have not done ANY investigation or provided proof of how this account was verified to be mine. I have no knowledge of this debt and I am concerned that this may be a service that was obtained fraudulently with my information. I demand that these account be verified by either XXXX  or the original creditor and if they can not be, then i demand they be deleted as they are affecting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX ON IS REPORTING ACCOUNT ERRONEOUSLY I HAVE SPENT XXXX SO FAR TRYING TO GET THIS OFF MY 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 explanation
Consumer complaint received 2018-11-07 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:
On XX/XX/2018 I took my cat to my old vet. My cat was misdiagnosed and put on wrong medicine. {$96.00}. On XX/XX/2018 I took my cat back to my old vet because my cat was very sick. {$48.00}. When I saw that my cat was not getting better, I took my cat to a new vet. My new vet correctly diagnose my cat and put him on correct medicine. It is my opinion that my old vet should not be paid. I initiated a dispute with Wells Fargo. Claim number one XXXX. On XX/XX/2018 at XXXX XXXX, Wells Fargo called me and told me that I lost my dispute because I signed the two sales receipts thus accepting the terms of both sales. I adamantly disagree with the Wells Fargo dispute representative because at the time I signed both sales receipts, I didn't know that my old vet misdiagnosed my cat and gave my cat wrong medicine. When I asked the Wells Fargo dispute representative if I have any appeal rights, the Wells Fargo dispute representative scoffed at me. After I was scoffed at I askd to speak to a supervisor. The supervisor told me to re send all of my dispute documents via email and Wells Fargo will take a second look at my dispute but that the two charges will remain on my account. It is my opinion that Wells Fargo did not do enough to protect my Visa rights. It is my opinion that Wells Fargo just wants to vacate my dispute doing as little work as possible. Nice right? While they charge double digit interest! I am forwarding this complaint to the cfpb for further investigation.

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