vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
This loan has been bounced back and forth between Ocwen loan servicing, Option one, American Home servicing, homeward, XXXX XXXX and others since it was issued.When Ocwen was pressed for info before by myself and CFPB  ( XX/XX/2016 ) they provided incomplete ( 4 years missing ) and inaccurate info.From what they did provide several ( thousands of dollars worth ) payments were held in suspension until late fees were created.Many went to fees for foreclosure even while the loan was in bankruptcy.Many seem to have just disappeared all together.Charges were made for inspections 5 times in a three month span several times.There were large payments that look like they disappeared via fees.We are even being charged for the service collecting payments.I have a legal services attorney but she is limited to defending only and can't file against these service company 's. 
As first time home buyers we were at the lenders mercy.Interest rate was set at 11 % until we sat down for the closing when it changed to 14.475.We had no idea we could decline the loan at that point due to the change.Ocwen never addressed the fact that we were never told or provided any info about rescinding the loan.I was unaware they had to provide that info or I would have pressed the issue more.I believe the time limit doesn't start until the info is provided which it still hasn't.These company 's are doing all they can to line their pockets at consumers expense. 
I would rescind this loan if I had been given the option at any time.We were conned into a high interest rate loan that we didn't qualify for but have tried to pay for it.They continue to claim amounts that aren't legally due and have made thousands in charges eating up much of whats been paid.Most of those charges are unexplained and their record/coding is all but impossible to decipher.i believe this is so as it would be hard for a person to tell where all the bogus charges are hidden.We have paid well over 65,000 on a XXXX loan.If payments were credited correctly the loan would be paid.Payments over what was due were held in suspense, but in escrow or used up as bogus fees not applied to the principle as the contract states.Payments were to be applies to interest, principle first as per our contract. 
I think I have the right to demand they provide the info regarding rescinding this bogus mortgage and be allowed to do so. ( time starts when notice is received ) .Company 's should be forced to adhere to the laws regarding consumer protection and be made to pay a penalty for failure to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
In XX/XX/XXXX I have purchased a computer from XXXX online on the Apple Goldman Sachs Credit card under the promise that I get {$220.00} or 6 % back. I completed the transaction and received the computer. I went to the XXXX XXXX   to purchase an XXXX XXXX support. The XXXX Store Manager told me that since I am a business. If a return the laptop and repurchase it then he will not only give an additional discount, but I will keep the {$220.00} received as part of the promotion. I asked him to verify the information, and he called Goldman Sachs as XXXX XXXX  EST on XX/XX/2020. Goldman Sachs told the XXXX Advisor that the cash back was mine to keep. I have three affidavit notarized witness statement that were also provided to the FTC, FBI and XXXX  Metropolitan Department. I am a victim of fraud here and being forced to pay something I never authorized, agreed upon or charged and it is in accordance with federal law enforcement agencies a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
The collection agency XXXX XXXX XXXX has a collections on my credit report. The collection was from XXXX XXXX which I have tried to explain that the charges on that card wasn't from me and that my account was hacked, then they sent it to collections after I refused to pay. 


The second one is XXXX XXXX XXXX and have no idea about the XXXX  thats on the collections report. 

The third one is Portfolio Recovery and they have a XXXX XXXX card that I have a card that I didn't pay off. This isn't true as I have a XXXX XXXX card that has a 100 % on time payment history and I only ever applied for one XXXX XXXX card not 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
The collection agency MidLand Funding LLC has a collections on my credit report. The collection was from XXXX XXXX which I have tried to explain that the charges on that card wasn't from me and that my account was hacked, then they sent it to collections after I refused to pay. 


The second one is Midland Credit Management and have no idea about the XXXX  thats on the collections report. 

The third one is XXXX XXXX and they have a XXXX XXXX card that I have a card that I didn't pay off. This isn't true as I have a XXXX XXXX card that has a 100 % on time payment history and I only ever applied for one XXXX XXXX card not 2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service these accounts/ inquires being reported I made efforts to remove accounts/inquires from my file as they do not belong to me. These all are fraudulently placed on my file I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 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: U.S. BANCORP
State: MA

Complaint narrative:
The payment history is messed up. Since this is a collections there should not be a balance, also the dates are reported differently. Please delete this 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 2020-01-29 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: PA

Complaint narrative:
I am a consumer in pursuant to 15 USC1692A3 Experian, XXXX, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express written permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian XXXX  nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation.

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 2020-01-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX  account # XXXX was disputed and challenged in XXXX of 2019. On my Experian credit report.. 
As of to XX/XX/XXXX this account still remains on my credit report as updated and verified. This is inaccurately reporting. A violation of FCRA rules. 

XXXX XXXX XXXX XXXX  is currently reporting monthly charge off history after Account was closed & charged off. A violation of FCRA. 

XXXX XXXX XXXX XXXX  currently reports Unverifiable account balance. 

Even after sending a certified validation letter to XXXX XXXX XXXX XXXX to provide me with copies of documents with the signature pages of the consumer contract the company says I've signed. The company has failed to respond. If the company has not responded to my validation letter. How can Experian validate this account as accurate?

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 2020-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2020, Goldman Sachs ( Marcus by Goldman Sachs ) emailed a promotional offer to me offering a {$100.00} credit for depositing {$10000.00} in new funds into my existing Marcus Account, and in particular to my Online Savings Account within my Marcus Account. 

The terms stated that the funds must remain, as well as existing funds at the time of the deposit, for at least 60 days. The specific language was " After enrollment, you must deposit {$10000.00} or more in new funds ( internal transfers wont count ) into a Marcus Online Savings Account within 10 days of enrollment and maintain at least {$10000.00} of those new funds in your account in addition to your account balance at the time of enrollment for 60 consecutive days from the date of reaching the required dollar amount. '' Note the  deposit account specifies the online savings account, but the maintain clause simply says " your account ''. 

I made a qualifying deposit on XXXX XXXX A few days later I made an internal transfer with my Marcus account between the Online Savings Account and another online deposit account. Marcus deemed this transfer to disqualify me from the promotional offer. No funds were removed from my Marcus account, and in fact additional funds were added days later.

I contacted Marcus and pointed out that their use of the word account was used by them both to re
fer to the sub-account which called the Online Savings Account and to my total deposit account with Marcus, and that the promotion did not specify which usage was meant. I offered the service representative and subsequently her supervisor the opportunity to restore the promotional offer to my account, so that their treatment would comport with a simple English reading of their promotional materials. After consultation with some internal group, each declined to do so and explained to me why I was at fault.

I believe the service reps that Goldman Sachs meant the smaller sub-account in their design and execution of the promotion. I also believe, however, that they should be accountable to living up to the simple English reading of their offer. I do not believe that I should lose out because their staff were sloppy in their use of ambiguous language in their offering. Goldman Sachs neither did so in the initial case, nor did they correct the error when I pointed it out to their customer service contacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: MA

Complaint narrative:
SN Servicing Loan No. XXXX My name is XXXX XXXX. 

From XXXX to XXXX, my mother, XXXX XXXX, tried desperately to stop the foreclosure process on her home with SN 's prior mortgage company and was repeatedly lied to and was told the application documentation had been lost, misplaced or never received even though it had. Eventually she realized her efforts were futile, became XXXX XXXX from her experience with XXXX XXXX and XXXX XXXX   from a XXXX. She was rushed to XXXX XXXX Hospital diagnosed with XXXX, and died alone in her hospital bed at the age of XXXX with no one by her side. Her last wish, hospital staff told me later, was to save her home for her children and grand children so they would have a place to live when she died. 
After my mother died, all my brothers and sisters were grief stricken and left Massachusetts for other states to live with relatives to try to forget what XXXX XXXX had done to our mother. I was left as the successor representative to her estate, with her house now in foreclosure with SN Servicing. I informed SN Servicing that I would assume the mortgage and submitted my loan modification application with all required documentation to SN in XX/XX/XXXX. 
Despite having received my application three months ago, SN Servicing scheduled a foreclosure sale on my home and is now refusing to give me any updates on the status of my loan modification application or to reduce to the loan to its XXXX fair market value. They are stonewalling me the same way XXXX XXXX did with my mother for five years before she died, and has now scheduled a foreclosure on my house on XX/XX/XXXX. 
Please contact SN Servicing and help me get my loan modification application approved under the XXXX " Pick-a-Pay '' settlement agreement and have SN reduce the loan to {$200000.00} from its current balance of {$420000.00} as it was required to do in XXXX. I only have two weeks before the foreclosure auction. I want desperately to save my mothers home so that her grandchild, my son, can have a place to call home when he grows up. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX SN Servicing Loan No. 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 2020-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I did not receive my Truth In Lending Act disclosure prior to my line of credit with CASHNETUSA. I have attempted to obtain on numerous occasions in the last several days and have been told various reasons why it will take 3 to 10 business days. One customer service representative told me a manager had to review my account and will call me back. This will take 10 business days. The second customer service representative told me it will take 3 business days. I am not confident in the information I am being given and am in need of the TILA with CASHNETUSA. This should be on my account page. For anyone who does not receive their TILA prior to the loan/line of credit you are not legally bound to make any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I sent detailed complaint letter to CFPB on XX/XX/XXXX and again on XX/XX/XXXX detailing along with my Certificate of Deposit ( COPY ) that USAA Absorbed my. CD held as Collateral in the event I did not pay the balance the Full Balance Due on the use of a Secure Credit Card. I Paid all of the Owed Balance my Credit Score did not fluctuate on the basics of me not paying USAA back on my use of the Credit Card and When I Said Close the Card Account and return my Over XXXX CD back to me USAA Did not Comply with my request and I still have the Certificate ( COPY ) sent to ( CFPB ) ON XX/XX/XXXX. With an address in XXXX XXXX of USAA Savings Bank. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Nevada XXXX Date of Notice about the same before time on and of my request to Close use of the CD from XX/XX/XXXX to XX/XX/XXXX this is now XX/XX/XXXX. XXXX XXXX issue date XX/XX/XXXX. My name XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX my Phone XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a current balance of {$14000.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned and sold at auction. The vehicle sold for more than the amount owed and consequently the balance reporting is incorrect and should be reporting {$0.00}. This false reporting is seriously harming my credit score and this line item needs to be updated to report accurate information and/or be removed. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/2020 I called capitalone informing them that I had a check getting deposited into my account to cover my negative balance of {$97.00} on Monday the XX/XX/XXXX. On the XX/XX/XXXX my account had a restriction placed on it Sunday the XX/XX/XXXX. Monday my check cleared and left a remainder balance of {$940.00}. I called the bank to see if the restrictions could be lifted but I was told no. I was willing to drive to the next state over to retrieve my money but I was told I couldn't walk into the bank to get my money I had to wait 7 to 10 business days until it was mailed. I thought this decision was very unfair so I called back the next day. Then I was told I could get the money transferred To another bank account that was linked to my restricted account. So it's now the XX/XX/XXXX and my money is still sitting in a restricted account that I have no access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
So I moved into XXXX XXXX XXXX  3 years ago into a small one bedroom apartment listed at XXXX  monthly I believe. I didnt have issues paying rent and I had gotten a small puppy shortly after. It was a poodle Id say I got her 5/6 months before my lease was subject to end. It was a 12/13 month lease. Very small dog anyway me and the dog went along fine the office had no idea etc. I walked her in public at the dog park etc. at the same time I got her I got a boyfriend and lost my job at XXXX XXXX for being late. Therefore I asked him if he could help me pay my rent he said he would if I agreed to dog sit for him a few days out of the week : XXXX XXXX caught wind of his dog immediately and threatened to evict me because of it. If I didnt pay a pet fee, a pet deposit all over 500 dollars. I advised them the dog didnt live with me and that I was dog sitting daily for a few hours. At the time there was no policy against this. Because the dog didnt spend the night. So we didnt have the extra money and I moved out swiftly! With only 2/3 months left on my lease but I somehow owe them XXXX dollars if I moved out early from my current complex which is much newer and nicer than theirs I would pay the rent and XXXX dollars which totals to be less than XXXX! I am beyond XXXX about this and I have no proof of my lease because its old and Im just now at a point and age where I care to fight it because I have a child now whos XXXX  and I would eventually like a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
sent payment of XXXX XX/XX/XXXX then XXXX XX/XX/XXXX called bank for an hour transferred to different reps ask for supervisor not came on phone!!!!!!!!!!!!!!!! BAD SERVICE XXXX was put in suspence account why? no call at all and payment keeps going up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: MD

Complaint narrative:
Hello, Every time I try to connect to XXXX it directs me to : XXXX XXXX XXXX The XXXX   website is not currently available at your location. Visit www.consumer.ftc.govXXXX or www.consumerfinance.govXXXX  to learn how you can request your free U.S. credit report by mail. 

What about location? I am in XXXX XXXX, MD. I have tried with two Web Browsers : XXXX and XXXX. My son also tried from XXXX, NC with the same results. 

I have also tried using my work and personal computers. 

Thank you

Company response to consumer: Closed with explanation