vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX, there was a Loan Modification Agreement made between myself and Ocwen Loan Servicing, LLC, Lender/Servicer or Agent for Lender/Servicer. ( Ocwen Loan Servicing is a debt collector attempting to collect a debt ). The reason I applied for a loan modification was because I was struggling to pay my mortgage. My mortgage payment at the time was for {$1200.00}. I requested that they lower my monthly mortgage payments, so that I may be able to comfortably afford making my mortgage payments on time. On XX/XX/XXXX, Ocwen modified my loan for the amount of {$1200.00} and they added to my loan a Balloon Payment Disclosure. I was not happy with the terms of my loan modification and especially with the balloon payment disclosure. However, I was pressured by Ocwen Loan Servicing into signing the modification and the balloon payment disclosure. I did not agree with the balloon payment disclosure, but I was informed by Ocwen Loan Servicing that if I did not sign the balloon payment disclosure, they would turn down the modification and proceed to foreclose on my property. As of XX/XX/XXXX, my mortgage payment increased to {$1200.00}. On XX/XX/XXXX, I called XXXX XXXX in order to apply for refinancing of my home ; and they informed me that Ocwen was showing that I was past due {$1200.00} on my mortgage and that Ocwen is stacking me with late payments on a monthly basis. Also, Ocwen Loan Servicing has destroyed my credit. Ocwen is not currently updating their records. I am current on my mortgage payments and they are not disclosing and/or updating the records to show that I am current on my mortgage payments. XXXX XXXX informed me that I will not be able to refinance until the accurate information is shown on my payment history and this important matter is resolved, because I am currently high risk. In addition, I am seeking legal services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
some inquiries were removed from my credit report and added back on and I was not notified at all within 5 days in which that is a violation of my FCRA sectio n 611 ( a ) ( 5 ) ( B ) ( ii ) you are required to notify me of the reinsertion in writing within 5 days and failed to do so. I did n't notice these inquiries were added back on until I recently pulled my credit in which I contact trans union several times the first time I ca lled and spoke with  XXXX  and she informed me th at trans Union ha d a glitch but would not help me I also spoke with a different representative name  XXXX  I believe that 's what he said I really could not understand either representative but they refused to help me with my matter.

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 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been a victim of TransUnion inquiry issue and I called to have these XXXX inquiry removed XXXX  XX/XX/17 XXXX XXXX XX/XX/17 XXXX XX/XX/17 XXXX XXXX XXXX XXXX X/XX/17 I wish to have these Inquiry removed asap ...

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 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been a victim of XXXX inquiry issue and I called to have these XXXX inquiry removed XXXX  XX/XX/17 XXXX XXXX XX/XX/17 XXXX XX/XX/17 XXXX XX/XX/XXXX XXXX XXXX X/XX/17 I wish to have these Inquiry removed asap ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been a victim of XXXX inquiry issue and I called to have these XXXX inquiry removed XXXX  XX/XX/17 XXXX XXXX XX/XX/17 XXXX XX/XX/17 XXXX XX/XX/XXXX XXXX XXXX X/XX/17 I wish to have these Inquiry removed asap ...

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 2017-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
I do not have no knowledge of account, I have sent them written disputes to remove this fraudulent debt but continue to report this on my credit report and severely damaging my credit status. I would like this permanently removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
When I Spoke with company representative they could not send me nothing but a copy of a bill. They do not have documents supporting that my identity was verified I am not familiar with the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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:
On XXXX-2017 I received a notification via my XXXX XXXX account that the XXXX XXXX was deleted from my credit report after a dispute, however it still shows on my report and I would like to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
When I spoke to the representative, they informed me that I had a bill from  XXXX  that I had owed. I asked them for a copy of the contract and they sent me nothing but a bill but no verification. The representative was extremely rude and term " entitled veteran '' when I was letting them know that because of my  XXXX  I can not continue the call and will disconnect.

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 2017-06-30 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
While booking a delta flight on XX/XX/2017 I saw an American express ad that said that I would get a {$100.00} bill credit if I signed up for the delta amex card. I signed up for the card, was approved, and completed the transaction. However, I later found out that an unknown error resulted in my transaction not completing. <P/>After I logged into my new American Express account on X/XX/17 I noticed there were no charges so I called American Express. The Amex representative I spoke with wasnt able to answer why the transaction wasnt listed on my account. I then told the representative that I didnt want to make the purchase if I wasnt going to get the bill credit. The representative assured me there wasnt a problem, and that I would get the credit as soon as I made the purchase. <P/>I followed the representatives instructions, but after making the purchase I was deigned the credit. I was told this was due to my having a Delta American Express card several years earlier. Further, I was told this information was clearly given to me when I signed up which is not true ( I have screenshots of the whole process that shows irrefutable proof ). Despite what American Express says, I believe that I should still receive a credit for the following reasons : 1. I called Amex before making the actual purchase and explicitly asked the representative if there would be any problems regarding my getting the credit. The American Express representative assured me that I would get the credit as soon as I made the purchase. <P/>2. There is no clear indication that prior card membership excludes a person from receiving the credit, and it appears that American Express went through a lot of trouble to intentionally hide this information. ( I have unbelievable screenshots documenting this ) 3. Due to a XXXX XXXX I would have problems finding a single clause intentionally buried in a contract. The only way I could reasonably expect to find out about this information is to call, which I did. <P/><P/><P/>[ screenshot available upon request ] ( As you can barely see, there is LITERALLY a whole section of print that is hidden from the customer. You can barley see the tops of letters from a whole other section of completely hidden/unaccessible text. This information isnt available by scrolling or any other method that I could figure out. There is a star * after the first line item, but there is no legend or key that explains what this means. ) [ screenshot available upon request ] ( actual screenshot of failed ticket purchase on X/X/2017 - no indication about prior credit card restriction ) [ screenshot available upon request ] ( Screen shot of actual temporary card - still no indication of credit restriction )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Applied XX/XX/XXXX.
Opened XX/XX/XXXX.
Got all paperwork XX/XX/XXXX. {$500.00} ACH from XXXX posted to WFC X/X/17 no bonus triggered. {$1.00} x XXXX XXXX reload ( X/X/17 ) posted X/XX/17 no bonus triggered. No bonus as of writing ( X/XX/17 ). {$960.00} ACH from XXXX posted to WF X/X/17 no bonus triggered. Secured Message from Wells Fargo X/XX/17 : WFC told me The {$250.00} credit will post after XX/XX/2017. No bonus as of complaint ( X/XX/17 )

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 2017-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
transworld systems inc. sent me a letter saying i owe {$1000.00}. the account is closed and settled for {$1600.00} and was given for XXXX XXXX XXXX XXXX XXXX XXXX.. creditors acct # XXXX transworld acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
I opened a loan with cnacXXXX on XX/XX/XXXX and I have recent inquiries only credit dated XX/XX/XXXX and XX/XX/XXXX I need those removed off my credit report being that I did not authorize this company to pull my credit report after XX/XX/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 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA cancelled my debt and issued a  XXXX  IRS form for which I had to pay taxes on the forgiven amount. Per Internal Revenue Bulletin  XXXX  ( Removal of the  36-month nonpayment Testing  Period Rule ) on  XXXX   XXXX ,  2016 , creditors should not send you a  XXXX  form unless the debt is really canceled, extinguished, forgiven, and gone for good. I have disputed the accuracy of the account balance and past due amount with the credit bureaus asking that they be updated to show a {$0.00} balance and {$0.00} past due. However, the information does not update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
I opened a loan with cnac_XXXX on XX/XX/XXXX and I have recent inquiries only credit dated XX/XX/XXXX and XX/XX/XXXX I need those removed off my credit report being that I did not authorize this company to pull my credit report after XX/XX/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 2017-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
XXXX XXXX XXXX. sent me a letter saying i owe {$1000.00}. the account is closed and settled for {$1600.00} and was given for army & air force exchange svc.. creditors acct # XXXX XXXX acct # 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 2017-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
Hello, I used PayPal on  XX/XX/XXXX  to send {$1800.00} to my sister. I accidentally typed in the wrong email address and sent the payment. I noticed IMMEDIATELY and canceled the payment. I re-typed her email address correctly and she got the funds.  <P/> On  XX/XX/XXXX  and  XX/XX/XXXX  my b ank (   XXXX   XXXX   ) cha rged me {$25.00} fees ( {$50.00} total ) because PayPal was continuing to attempt to take out the original {$1800.00} I sent to the incorrect person. Because I cancelled the payment immediately, I assumed that meant  XXXX  things :  ( 1 ) the person on the receiving end would no longer get this money and ( 2 ) PayPal would not take  this out of my bank.  <P/> The latter of the  XXXX  is not true. When I called PayPal, they said they could not stop their system from attempting to take money out of my account. They said it automatically attempts to take it out twice. This means all people who do not have sufficient funds for accidental payments they cancel will automatically be charged unnecessary banking fees because PayPal does not make this clear to consumers when they cancel their payments in their system. They are also hurting their users by automatically extracting funds from cancelled payments twice. This makes no sense to a consumer. If I cancel a payment it means I BOTH (  1 ) no longer want to send the money to the receiver and ( 2 ) I no   longer want these funds taken out of my account.  <P/> This has been an extraordinarily disappointing circumstance.  <P/> Thank you!    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: LA

Complaint narrative:
I have not done business with calvary portfolio service. I do not have a signed contract with calvary porfolio. I have the right to demand to see a signed contract between calvary portfolio and myself. I have seen two different accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I recently opened a business account with PayPal. With this account I also opened a virtual terminal account with a pay here card reader. In there disclose it says that all money processed through the card reader will be made available immediately. All money processed without card reader after  XXXX  Will be held in reserve. Well i used the card reader for all my transactions and they feel that they can hold my money in a reserve anyway. All transactions were done and approved by sliding cards through the reader. When I try to talk to them about it they just keep saying they ca n't help me. Please help. I have a new business and really need this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  cancelled my debt and issued a  XXXX  IRS form for which I had to pay taxes on the forgiven amount. Per Internal Revenue Bulletin  XXXX  ( Removal of the  36-month nonpayment Testing Period Ru le ) on  XXXX   XXXX ,  2016 , creditors should not send you a  XXXX  form unless the debt is really canceled, extinguished, forgiven, and gone for good. I have disputed the accuracy of the account balance and past due amount with the credit bureaus asking that they be updated to show a {$0.00} balance and {$0.00} past due. However, the information does not update.

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 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  cancelled my debt and issued a  XXXX  IRS form for which I had to pay taxes on the forgiven amount. Per Internal Revenue Bulletin  XXXX  ( Removal of the  36-month nonpayment Testing Per iod Rule ) on  XXXX   XXXX ,  2016 , creditors should not send you a  XXXX  form unless the debt is really canceled, extinguished, forgiven, and gone for good. I have disputed the accuracy of the account balance and past due amount with the credit bureaus asking that they be updated to show a {$0.00} balance and {$0.00} past due. However, the information does not update.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
While checking my credit report I noticed credit inquiries that I did not authorize made by the following companies :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Being  that I d id not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting A ct Section 1681b ( c )   and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I recently complained  to Consumer protection Bureau about Unauthorized access by Navient group of companies. Today when I checked my ac count, they have cancelled auto pay and I am unable to add any of my bank accounts and my loan account shows over due payment by 2 days. I tried to add a different account and I am unable to do it either.   XXXX  Navient seems to have serious problem with their automated transactions. I need help and I need to keep my loan payment current. I have never been delinquent and have completed  XXXX  loans well in advance.   XXXX  Please assist.   XXXX  Thank you  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Wells Fargo repossessed my vehicle 6 years ago while the payment was in their hands, I put a stop payment on the check as they did attempt to cash it. They called my insurance company and said I had been in an accident with it, untrue, and tried to file a claim. I soon settled the debt. 5 years later the loan showed up on my credit report as open. I 've paid high interest rates ever since.

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 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santande r USA is reporting  on my  XXXX  credit report that in  XXXX , the payment was 30 days late. Account has never been paid late.   XXXX    &   XXXX  have it reported accurately that there were no late payments.

Company response to consumer: Closed with non-monetary relief