vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
After completing the modification program with ocwen from XXXX to XXXX and continuing to make monthly payments to the present day, ranging from {$1100.00} thru {$1000.00}. Ocwen attempted to foreclose on our property during this process by hiring the XXXX XXXX in NY. The Ombudsman officer at Ocwen sent us a letter in XX/XX/XXXX admitting fault on behalf of his company. While we continue to make our monthly mortgage payment, Ocwen has added a {$3000.00} legal fee to the monthly mortgage statement, and disguised it as a late payment. On top of this, Ocwen has added over {$50000.00} of other fees to our statement principle during this modification process. They can not produce the original note trail or title, to this property. They have also engaged in double tracking. They have also connected us to over sea 's operators in XXXX after we have requested on several occasions for them not to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: MCMC Auto LTD
State: TX

Complaint narrative:
I have a sick baby which requires a lot of medical attention. Being a single mother I struggle to pay my bills due to missed work attending to my child. My car payment has fallen behind by 3 weeks in the past but the accepted my late payment. This past time I fell behind by 3 weeks the company repossessed my car with out telling me. I got into a tiny finder bender but due to a XXXX recall it left my car undrivable so I had it towed to a place to get it fixed on XXXX. The repair garage ordered my part and told me they would call me when ready. After almost a week on friday XXXX I call the repair garage to see if my car was ready and they told me my car had been repossessed off their lot. My last payment making my car payment current was on XXXX. They repossessed my car XXXX. Not even 30 days from my payment making my loan current. Its a bi-monthly payment so it was behind 1 payment. I didnt have a functioning phone because my XXXX had the XXXX screen of death so I could not use it and couldnt afford to replace it at the time so if they tried to contact me I would not know. I also asked them how they even knew where my car was and they told me they put a tracking device on my car with out my knowledge. I called an atturney to get some help because even though my loan was current they would not give me back my car. The atturney needs my paperwork on the loan which mcmc auto never gave me so I called mcmc auto to get my psperwork and they said they will give it to me but I have to purchase it for {$45.00}. Which is completely wrong to make someone purchase their loan agreement papers. They wont even give me my account number or loan number. I am still current on my loan and I still do not have my car, my loan agreement, and unless I pay them an absormant amount of money for repossession, towing, Storage, and buying my loan agreement I will not get my car back. I will not pay the repossession costs because they repossessed my car not even being 30 days late after accepting a late payment all ready. This is putting me and my sick daughter in much distress with no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES
State: MA

Complaint narrative:
Loan company is reporting late payments on my account that was transferred to another lender. I have contacted the loan company and they have refused to remove the incorrect information. The loan that is reporting late payments is for a loan obtained in XXXX and XXXX or so which was for the amount of {$2500.00} initially, which was sold to another loan company in XXXX. The amount of {$13000.00} is for loans that I obtained in XXXX from XXXX XXXX which have never been late and were not opened XXXX as reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX, XXXX made a charge to my Wells Fargo debit card in the amount of {$340.00}. This was not credited to my XXXX account ( my XXXX account has been up to date for over a decade and belongs to one house in XXXX, Georgia -- the charge on XXXX/XXXX/XXXX was from XXXX in XXXX, Florida ). I called XXXX on the XXXX ( and the charge was still " pending '' in my account ) and the person on the XXXX line said they could not find the charge in any of their systems, and I needed to call my bank. I called Wells Fargo the same day, and told them it was an unauthorized charge. They said they would start the charge dispute process and get back to me. On XXXX, I received a phone call and a letter from the Wells Fargo dispute center saying they needed more information, so I called them back. The lady on the phone at that time said thew dispute claim was brand new as of the XXXX ( she could find no record of my original call on the XXXX ), but they had given me a temporary credit. The claim number was # XXXX and they listed the cause as " charged wrong amount '' which I told them was incorrect. I should not have been charged at all on that date. The wells fargo representative then told me she would investigate and get back to me. Less than a month later, I received a letter from Wells Fargo saying they did not receive the information they requested from me ( which I do n't understand because I talked to a representative in person and she said she would proceed with the investigation ), and they were taking the credit to my account back because they found the charges were made by me or someone with my permission and to consider my claim closed. I can assure you I have n't made a false claim accusation in the past decade as a loyal wells fargo customer and no one had my permission to use my card for a Florida XXXX account. The fact that a company that literally stole and abused the identities of thousands of their own customers would call me a liar is inexcusable. I want other people to know the kind of abuse that they will be subjected to when they just expect their bank to do the one primary job of protecting their customer 's money.

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 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My husband and I both received are 3 credit reports on XXXX/XXXX/XXXX. Each one of our credit reports from only Transunion showed Account Review Inquiries from companies unknown to us. We have lived in XXXX XXXX, OH for 26 years at the same home address. The unauthorized inquiry for my husband was from XXXX XXXX XXXX in XXXX, FL on XXXX/XXXX/XXXX. I called the company and they admitted that they were looking for someone else with a similar name when they made the inquiry. My report showed an account review inquiry from XXXX XXXX in XXXX, CA on XXXX/XXXX/XXXX. When I called them, they denied any such company existed at the listed address and phone number. I am concerned the the XXXX XXXX could have been an attempt at identity theft. My husband is concerned that the inquiry by XXXX XXXX could result in future inquiries that he has approved wondering if he had a bad payment record in the past. I reported all of the above via phone to Transunion. They stated that the inquiries would be removed, but why did they even occur without our consent? Is it legal for anyone to review your credit report? Advise. Please respond via e-mail to XXXXXXXXXXXX. Thanks.

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 2017-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
Contintental Finance Company claims I owe a total of XXXX. A charge in the amount of XXXX to XXXX on or around XXXX XXXX is in dispute, Continental Finance refuses to work out a resolution which does not require me to pay this charge for item not received. The merchant, XXXX, provided a response which contained false/inaccurate information such as shipping date, item ordered, shipping address as well as person signed for package. Their reply mentions an order placed in XXXX, a month BEFORE item ordered in XXXX. It was sent to a XXXX  XXXX in XXXX, NY, my name is XXXX XXXX and I live in Connecticut. A replacement XXXX watch was sent to this person, XXXX XXXX, my order is a XXXX XXXX watch. The package sent to myself arrived with watch missing from the watch box, XXXX is known to send empty watch boxes or defective items. I disputed this charge, however, I did not receive response from merchant in time to reply, according to regulation set by XXXX. I provided response detailing false/inaccurate information detailed above, it was too late to further dispute. The initial mailing was lost in the mail, disputes dept resent the information from merchant and I was told to go ahead and reply in re despite lateness. Once received, Continental Finance refused to do anything further. The remaining balance of this debt, XXXX stems from fraud charges as well as late and over limit fees, which I refuse to pay.

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 2017-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
For over 1 year Radius collections agency ( ( XXXX XXXX XXXX has been calling me trying to get me to pay for additional years subscriptions for Domain Names.I called the credit collection agency and the registrar of the domain names, XXXX and have asked them to stop at least 6 times.

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 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For months I 've had an account with XXXX XXXX, which XXXX and XXXX have been reporting. TransUnion still has failed to report it on my credit report, even though XXXX XXXX keeps sending them the information. Please take care of this error of not reporting this information. 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 2017-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
In XXXX XXXX, I accepted a credit card from Barclays Credit Card Company with a {$4000.00} limit. I paid every month ( never missed a month ) most times over the minimum amount until I lost my job in XX/XX/XXXX. I continued to pay until XX/XX/XXXX. However, with the astronomical interest rate of 22 % I have not been able to keep up the monthly payments which were over {$100.00} or more monthly. Because of this high interest rate and other charges, I am sure I have paid well over {$6000.00} on a {$4000.00} loan. I contacted the credit card company, asking for a lower interest rate, therefore a lower monthly payment, or a settlement of the account. I was told that I was not eligible for any of these options, and I was not offered any recourse. I am XXXX years of age, not in the best health, and only receive social security benefits and a small pension. 
I certainly do not want my social security benefits garnished as this is all I have to live on. It has been so hard finding work. I have interviewed and not called back for the jobs. I think it may be because of my age, or credit rating. of course I can not prove this. Any advise you can provide will be greatly appreciated. I am now 3 months behind on the credit card. 

Sincerely

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 2017-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
It has happened numerous times before, but today specifically they called me 4 times. I have asked previously to not be contacted on my number, because it is a cell phone. They still continue to call. I understand that I am behind. I explained that I lost my job, and am trying to catch up. Calls have not ceased, and they ask to set up a future payment to stop the calls. I reiterated that it is a cell phone, and I do not have to set up anything for them to stop calling me. Last time, they called me 3 times in one day about 2 weeks ago. I 've never had a problem paying my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
We already have a pending CFPB complaint that SPS has not responded to. In addition to that complaint, we are having issues with SPS now fabricating problems with our paperwork so that they can further delay our file. XXXX spoke with XXXX says need XXXX, need XXXX - did XXXX and submitted XXXX. XXXX with XXXX on XXXX - she confirmed XXXX and the " additional expenses ''. I sent in XXXX XXXX. Sent 1st lien approval on XXXX - resent to XXXX on XXXX while on the phone with him. No mention of needing XXXX. Sent in updated HUD XXXX due to SPS delays. XXXX with XXXX on XXXX - says still showing opened for a MOD review?! She was escalating the file on XXXX says we will have a reply in 48 hours. Called today - rep acts like there is no ESC, like file has never been sent to Investor and that no docs have been submitted. 

Today the escalations representative XXXX is telling me that they are still missing documents and that there is a pending counter offer. This has already been addressed - so now she says that although we used the SPS form we should have known to insert a signature and date on the pages of the XXXX that do not ask for it. I 'm not sure how we would know to do that or why they would n't put the signature block and date in there if that is what is required. 

I am now on the phone with a supervisor XXXX who says that was the wrong form ( although it was on their web site ) and that he will fax and e-mail me the form needed. That the previous rep was incorrect that we do not need to fabricate a section for a signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Told me the only way to start paperless is to use the internet care credit.com and the minimum payment box is the box that collected the wrong debt amount. When I called care credit on XXXX at XXXX pm., I was told that {$140.00} extra will be collected for checking the minimum payment box feature or debt amount feature.

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 2017-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
The vehicle I was financing through GM Financial was repossessed by the loan company in XXXX, XXXX. A payment was en route to their office via USPS at the time. The repossession happened at my apartment building, which is private property. The next document I received from GM Financial was to inform me that the vehicle had  been resold and that I owed the remaining balance. I did not receive any chance beforehand to make arrangements to get my vehicle back. I also did not receive the notice of resale, which would have informed me of when and where the resale was to take place ( either public or private auction ). Prior to the repossession, GM Financial frequently called me at my place of work after I instructed them not to. They also made harrassing phonecalls several times a day if a payment was past due by only a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
After several attempts of trying to dispute old and inaccurate addresses that are still on my credit report that needs to be removed that is still reporting.

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 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
After several attempts of trying to dispute old and inaccurate addresses that are still on my credit report that needs to be removed that is still reporting.

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 2017-11-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX XXXX XXXX, I called Wells Fargo and asked about six ( 6 ) CD that my mother had put into the bank they purchased XXXX XXXX XXXX XXXX They told me that they had send all unclaimed funds to the State of AZ. I called the state and they said they had no recorded of receiving the CD and to call the lost funds or unclaimed documents of Wells Fargo. 
On XXXX XXXX XXXX I sent an email with the POA and copies of the CD as well as a COD of my mothers mother asking them to find the funds and release them or to give me the amount, date, they sent the funds to the state of AZ. Then I followed up with another call and spoke with yet another person who stated they did not have any recorded of my sending an email so I resent the email on XXXX XXXX and not only did I receive a email response but I got a call that they had received my email and had forwarded it to research /legal. was to give them five business days to find the information. XXXX XXXX XXXX, XXXX, I called as another attempt to follow up and they said they had no record of the first two emails and could I send it again. I will attach all documents I send so they will be attached to this complaint. Again they are giving me the run around and I believe they are trying to keep my mother funds.

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 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
When I attempted to cash two reimbursement checks with XXXX bank and XXXX banks in XXXX XXXX, Michigan, I was informed that I had an issue with XXXX reported that I had an outstanding balance with XXXX Michigan XXXX XXXX. I went to XXXX Michigan XXXX XXXX on XXXX XXXX XXXX, Mi and spoke with XXXX XXXX ..., she informed me that there was not such an issue with the credit union. Now that she " no longer works there '' per XXXX staff, i got an emailed copy of a statement dated XXXX XXXX stating that there was an overdraft on my account and that it was paid within that same month. See copy. I want this negative credit/banking activity to be removed from my credit report because its been 46 months since this burden has refrained me from opening banking accounts to manage paying debts or receiving deposits to pay debts. XXXX reflects derogatory statements about and ruins my credit ability. XXXX acts are unconstitutional and has helped to ruin my livelihood.

Company response to consumer: Closed with explanation