vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have a mortgage and HELOC and Ocwen is the mortgage servicer. I've been making timely payments on both loans since 2005, mostly via online or over the phone and have never been charged a " service fee '' for paying electronically. Now Ocwen is charging {$7.00} to make payments online or over the phone. These payments are deducted directly from my checking account, so there is no credit card fees or any other fees incurred by Ocwen. In fact, electronic payments reduce Ocwen 's operating costs as I'm not sending checks to their lockbox which charges them a per check fee to process. 

Given Ocwen 's well documented violations and substantial penalties assessed, you would expect them to be more consumer friendly, however, that's definitely not the case as this outrageous processing fee demonstrates. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IA

Complaint narrative:
On Friday the XXXX of XXXX, I applied for a loan for {$10000.00} through One Main Financial in XXXX Iowa. I spoke with XXXX at that office and he requested specific information which I provided. He then asked for various documents which I had to wait until Monday ( today the XXXX ) to provide. When he spoke with me on Friday, he informed me that I was approved for a slight amount over {$6000.00}. When I spoke with him today enroute to XXXX to which I was led to believe was to sign the documents, he informed me that I was not approved due to my alimony not being permanent for the stated amount for 2 years. I was not informed of this when I applied for the loan. My alimony MUST be continued for at least two years. To me this is discrimination. 
Additionally, when I spoke with the XXXX office today, I was told that I could use my fianc as a co-signor on the loan and then I was turned down there also due to his recently having completed bankruptcy although his credit score is in the lower fair range. 
I am also filing a complaint in that every loan application I attempted to complete today redirected my application directly to ONE MAIN FINANCIAL. I checked the XXXX XXXX website and it automatically shows One Main Financial. When I went to other loan companies, including XXXX XXXX, I was automatically redirected to One Main Financial. 
I feel that this is a blatant false and misleading representation by One Main Financial. I also believe that they are intentionally misleading the consumers in their manner of using other companies to direct them to their company and also in the methods they are using to decide the approval or disapproval of loans to certain people. I am divorced and rely strictly on my former husbands alimony and half of his social security of which I presently have to pay almost half of that towards my Medicare cost for the next year. 
I would appreciate anything your organization can to do determine and receive a complete and transparent reply from One Main Financial as to WHY they are using other companies to lure consumers to their website only to be strung along thinking they will be receiving their loan ONLY to be turned down upon submission of the paperwork as requested. 
To submit all of the paperwork, I spent over XXXX in fax charges that they did not offer to reimburse me for after denying my loan request AFTER I was approved on Friday. XXXX DID NOT TELL ME it was PRE-APPROVED, he simply asked for the paper work for their records. This was heard on the speaker phone by my fianc who lives with me. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have tried to remove my inquires that where done by some scammer or something i still dont know but I have 71 inquires on my credit report and the only ones I acknowledge is XXXX. I have spoken with Experian and they tell me to write the creditors but they refuse to delete them even after I have told them multiple times it wasnt me.

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 2018-10-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I returned a vehicle to GM Financial. GM Financial charges me {$180.00} in late fees even though I always attempted to makemy payments on GMs website on approximately the same day, within the grace period. 

GM Financial is also reporting derogatory information to credit bureaus concerning this account. 

GM Financials website experienced significant problems, and GM indicated that it would waive late fees and delete derogatory credit information due to customers inability to make a timely payment. 

Nevertheless, GM Financial has refused to waive these late fees and has refused to correct erroneous credit reporting on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I continue to keep getting the run around on when they state they can remove the mortgage insurance on my mortgage. At first they said after 5 years and then they changed it to state that the loan to value ratio had to be a certain amount but I know my LTV is well within the parameters. I continue to get phone calls from them disguised like they have decided to now remove it and just need to speak to me to get some things worked out when it then turns into a marketing scam to get me take out a line of credit or borrow on all of the equity I have in it. I get them so often now and they are so sneaky when telling me what they want that I have become to doubt them and think that I may really be able to have that mortgage insurance taken off now. I want to know exactly what the rules are regarding the mortgage insurance and what my options are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a very small company XXXX XXXX and had merchant services through Bank of America.  We were offered an overseas project by a prospective client and they defraud us in their first and only payment. Due to their payment which was fraudulent, Bank of America and XXXX XXXX XXXX   XXXX XXXX ( XXXX  ) shut down our Merchant services and labeled us 03-Laundering. They will not listen to our position nor will answer our calls. We are only pointed to Risk team by their helpdesk where I have been leaving voicemails daily for the past week. Bank of America has already  collected fees and charges of this transaction. 
We wish to log a complaint against Bank of America , Bank of America Merchant Services and XXXX XXXX XXXX XXXX XXXX ( XXXX ) as they did not consider our situation as a new Merchant and that this is the first payment and have labeled us without giving us a chance to present our case. We have been following all the steps they requested and have also spoken personally with the bank representatives, however we keep getting pointed to their risk department, who doesnt answer back. 
Can I get Help?

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 2018-10-08 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX charged off my account while account was current, with more than double the minimum payment being paid monthly. 

Most recent statement shows consistent payment over twice the minimum payment ( minimum payment {$120.00}, we have been paying $ 300 monthly since XX/XX/XXXX ) This card was opened in XXXX, and since that time, I have only missed 3 payments beyond the 30 day mark by a few days, and quickly corrected them, paying off these outstanding balances before the next payment due date. 

I am unable to reach someone to discuss the reasoning or erroneous nature of this charge-off. 

This charge-off has negatively impacted my life, and I may need to file bankruptcy as a result as it has ruined a loan refinance for my wife and I.

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 2018-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Monday XX/XX/XXXX Chase suspended my account access. I provided them all requested personal identification information. After 30 minutes on the phone they have still failed to remove the account suspension due to me not being able to tell them which account they suspended. Im on vacation and need to go to my local branch to get it unsusoended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been trying to work with Wells Fargo. Wells Fargo attorneys received an index number for me in XXXX and have been aggressively trying to take my home from me. 
They sent me a letter requesting a face to face meeting with me on XX/XX/XXXX. 
I have had many conversations with the Wells Fargo employees trying to reach a solution. On XX/XX/XXXX I spoke via phone to XXXX XXXX set me up with 3 payments plans : 1. XX/XX/XXXX - {$5300.00} to cover XXXX & XX/XX/XXXX - comf. # : XXXX. 
2.The second for XX/XX/XXXX in the amount of {$8000.00}. to cover XXXX, XXXX & XXXX comf : # XXXX. 
3. Third payment in the amount of {$5700.00} to cover XX/XX/XXXX & XX/XX/XXXX to be called in to Wells Fargo because computer system would not allow representative to confirm the number for the year XXXX. I also spoke with another representative name XXXX on XX/XX/XXXX @ XXXX concerning my payments and another representative name XXXX who connected me with another representative that Wells fargo would not be able to make any of the confirmed payment withdrawals as of XX/XX/XXXX. Putting me 6 months behind after they withdrew payments from my account. I made all of these payments and was not given any credit for all of my payments and they put me in foreclosure. Please help! 

.

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 2018-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: WA

Complaint narrative:
In early XX/XX/XXXXI applied for a mortgage refinance as required by my divorce decree through " XXXX XXXX '' since they had brokered the current mortgage with The Money Source.  The process made it through collateral approval. I was then suddenly denied with no explanation. On or about XX/XX/2018 I applied for a mortgage modification, and was ultimately granted a SPECIAL forbearance. During the time of my special forbearance they canceled my forbearance because my ex wife didn't sign a document that I was promised she didn't have to sign in the first place. I was originally told I was the only who had to sign and was sent the according documents with a signature line for my ex wife. I was told only I needed to sign return the forbearance with her signature line, I insisted they send me the Special Forbearance agreement without her name and they suddenly terminated the special forbearance and sent the mortgage to foreclosure. I complied with everything up to the point they sent it to foreclosure. I contacted the trustee and paid to reinstate the mortgage. I contacted The Money Source and made arrangements to pay the back taxes and start paying regular payments again starting in XX/XX/XXXX, I sent the back taxes via XXXX and began making payments as agreed, then they returned the cashiers check I sent for the taxes as instructed with no explanation. Next I received a notice my XX/XX/XXXX payment mailed with plenty of time was not accepted and offering me " borrower assistance '' It turned out they were still trying to make me pay taxes and insurance in my payment and had held crediting my XX/XX/XXXX payment without notifying me. I called and again got this " no impound account situation '' corrected and was told by XXXX to make my original payment. But now it appears The Money Source held my XX/XX/XXXX payment and posted it XX/XX/2018 compromising me again-this payment was a cashiers check drafted XX/XX/2018 and sent with the first week of XX/XX/2018 USPS. Additionally, early during the many mortgage modification/special forbearance phone calls with The Money Source, I was told I would be granted a SPECIAL refinance to solve this issue, after I was promised this refinance they shortly after denied me for unknown reasons. After that had happened " The Money Source '' then told me just send in your divorce decree and we will take your wife off and restore her credit. I provided the documents and this was also reneged upon. This is still an on going issue and is a true burden on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
XX/XX/XXXX I called Navient until I was able to get a service representative. I have been paying for over 30 months on a fixed amount that was set. They told me to pay for more that 20 years the amount they assign me. Suddenly they increased my payment so when i called them to see why. They said that after 30 months it would increase, then after another 16 months of payments it will increase a lot more for the next XXXX payment. 

I think i go into a company that has scammed me. I need help on figuring out what i need to do. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have tried through all website locations to get a copy of my credit report from Equifax. They have asked me to mail them more sensitive information in order to get it. Someone else could easily steal my identify if I Mail them a copy of my social security card? I placed a fraud alert on this account on XX/XX/18, I have called their customer service department on three separate occasions since then to be told they are upgrading systems and can not so anything and to call back later. This issue is still not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Diversified Consultants, account no.XXXX is appearing wrongfully on my XXXX , XXXX AND XXXX credit reports.They are collectors for XXXX , a phone company.They Diversified Consultants seem to be a '' branch office '' of XXXX.They are the second collector for the same XXXX Debt .XXXX XXXX XXXX, XXXX XXXX XXXX, account no.XXXX, also seeming to be a " branch office '' of XXXX was deleted over 6 months ago for the same following reasons listed here.I have included the debt validation letter of the first collector for XXXX.They list an email address connected to XXXX as XXXX.I have never had this email and don't know who it is. 
I have never owned a XXXX phone, never had XXXX service and obviously never had a XXXX phone number to make a call from.I am a moving company owner and my phone is the most important tool of my business.In my area XXXX is the cheapest service but does not function well at all.Everyone that has lived here for a long time knows this, so I wouldn't have XXXX anything, no matter the cost. 
The collector is damaging my credit severely, which is also a tool of my trade.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
USAA 's fraud department denied the claim I filed after I was extorted. After their investigation, their representative agreed that I was extorted. I was unfortunately informed that extortion is not a form of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I am applying for a mortgage and was told that I had a large amount of medial bills on my credit report and they denied me. When I received the credit report from the mortgage company it listed quite a few very small collections and one large one. The numbers next to the amounts did not correspond to any collection letters I had received. The large amount {$550.00} was unusual enough I tracked down the account and called XXXX XXXX. They apologized and stated it had not been paid by the hospital and was turned over to collections. ( another bill had been paid ) I contacted the Collection Information Bureau Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/18 and talked to XXXX. I explained that I needed to verify the amount I owed and she stated I owned {$3700.00}. I asked her to send me a statement to confirm the accounts. I called back on XX/XX/18 and spoke for XXXX who stated the letter went out an call them if it did not show up over the weekend. She stated I owed {$3600.00}. I called back today XX/XX/18 at XXXX XXXX and talked to a male with a strong accent and he told me they could not send another statement out and to check with my post office ( its a holiday for them ). I never received a slip or an letter from them. I told the male that I wanted to pay them. He said have a good day ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I foreclosed on a small strip center in XXXX California in XX/XX/XXXX. Foreclosure was due to default on my second deed of trust. The first XXXX is still in place. Ive been making payments to the servicing agent, M & T Bank for the last eight years. The loan has a tax impound account of approximately {$11000.00}. The bank will not communicate with me despite sending proof of ownership on multiple occasions over the past seven years. They will only talk with the original mortgagor who has not been available. The property is currently in escrow to be sold. I now have no way to retrieve my {$11000.00} currently in the impound 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 explanation
Consumer complaint received 2018-10-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
After two request Equifax and XXXX refuses to respond to my request for my credit reports. My requests were dated XX/XX/2018 and XX/XX/2018 respectively ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Roberts Law, LLC
State: UT

Complaint narrative:
They called my boss and said they were going to serve a summons and arrest me in two hours if I did not call them back but never called me directly just my boss. Phone XXXX XXXX XXXX. Case XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After two request XXXX and Transunion refuses to respond to my request for my credit reports. My requests were dated XX/XX/2018 and XX/XX/2018 respectively ...

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 2018-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
I acquired this debt as a result of a divorce ( I had taken out the loan for my husband to use for automobile repair and improvements to the house ). He indicated to me that he would help me pay the debt but stopped when I wouldn't reconcile with him. I made some payments and then the loan was sold to XXXX XXXX XXXX XXXX. I intended to get on a payment plan and forgot and pushed the debt out of my mind. I would like to created an installment plan and begin to slowly pay off this debt. I will be able to increase the amount I'm paying after some other debts are taken care of and paid off.

Company response to consumer: Closed with explanation