vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
Ocwen Mortgage not only charges a late fee if your mortgage payment is past is grace period, but also a {$10.00} " rush payment '' fee/ convenience fee. '' They wo n't take the payment unless its through XXXX XXXX, and XXXX is the one actually charging the fee. It 's unfair that their online system will not just accept the payment. For example if my payment was due on XXXX XXXX, and I do n't pay it until XXXX XXXX it charges a regular late fee, which is ok, but they will not accept the payment unless its through their XXXX XXXX it 's just seems unfair that they will not let me just pay my bill!

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 2017-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Recovery Solutions, LLC
State: TX

Complaint narrative:
XXXX called me on XXXX @ XXXX, she asked for a man that was not me. I stated she had the wrong number and to please remove my number. She stated she was confused as the person had called from my number. I again told her she had the wrong number to please remove my phone number associated with the account she was calling on. She continued to tell me that her " lawyer '' gave her this number. I asked for her name told her not to call and hung up. She called again at XXXX. Once again I told her i just informed her to remove my number that this was the 2nd request. I hung up. She called again at XXXX and left a vm. Then she called my place of employment at XXXX. I told her i was recording the conversation and not to ever call my number again as I am not a party of the debt she is trying to collect. She stated I was not making payments and I explained I will never make payments as I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted a dispute online with Equifax on XX/XX/XXXX. I submitted proof that all inquiries on my credit report from XXXX XXXX were not accurate and I attached letters from XXXX XXXX advising that they should be removed. I received an email at XXXX on XX/XX/XXXX from Equifax investigations that the dispute was completed. When I went in using the Confirmation Number it gave me, no records were found. I then tried logging in via another web browser thinking perhaps it maybe was XXXX XXXX. To my shock again, they ca n't locate the dispute. I tried calling them at XXXX to be told that no representatives were available and to call back during normal hours. Mind you it was 5 minutes pass the time they state they are open! And switched to the automated system for the results only to be pushed BACK to the website. I have a confirmation page printed from Equifax 's site of my initial dispute, but NOW you ca n't find me? XXXX! This is a stall tactic and quite frankly I have had it up to my neck with Equifax so much as that I have now contacted an attorney. You ca n't not protect someone 's information with all of your ridiculous XXXX breaches. Then guide individuals to dispute inaccurate data and then and then you do n't even have the decency to do your XXXX job and investigate? You all are thieving, manipulative XXXX XXXX who surpass the line of incompetency that is mind boggling. You need to provide my XXXX results or be prepared to face me in court because I 'm tired!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: DE

Complaint narrative:
I went online and expected to get a general payday loan! I was out of work and contacted them to see if they had a hardship program! They stated they did not! Not only that but they informed me my loan was an open end loan, I didnt even know what that was until I gioggled it! I dont want a loan that doesnt end! 

I have made payments to resolve this but am only paying off interest! I honestly didnt realize what I applied for! 

I thought there would be a cap or a end and I would be able to make a payment arrangement to pay off the loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My complaint is dealing with my Chase saving /checking account there was a fraudulent charges on XX/XX/XXXX. This particular charge at XXXX XXXX for {$1100.00}. I disputed Initially. They replaced the funds briefly. Then on XX/XX/XXXX a reverse credit for {$1100.00} debit card dispute appeared on my statement. I contacted Chase to resolve the matter they stated XXXX XXXX disputed the charge and I 'd have to file a small claims to get the money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: HANCOCK WHITNEY BANK
State: FL

Complaint narrative:
I have concerns that Whitney Hancock Bank is conducting promotions that they are not intending to comply with - they are forcing the customer to " fight '' to obtain what was promised. 

Company promised in advertising that if you met deposit requirements you would receive {$100.00} prepaid debit card. 
XXXX @ XXXX am - Called and spoke to XXXX in Louisiana call center - he stated I met all the requirements. Card would be mailed after XXXX XXXX. 
XXXX - No card received. 
XXXX @ XXXX pm - Called and spoke with XXXX ( sp ) and she said card would not be mailed now - I asked for a manager. XXXX had another person come on the phone who said it would be mailed in XXXX. I asked for a copy of the promo advertisement because the advertisement I have said XXXX XXXX. He said he would obtain it and also asked for my cell phone to call me back. I provided my cell phone. No one has called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: The J. G. Wentworth Company
State: VA

Complaint narrative:
The lender has failed to respond to our QWR and  Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. Department has not completed request and have not given any details as to completion. lender further has further refused to accept the additional documents requested by client because of error of fax that seems to be on their end. Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of america closed my XXXX accounts without any warning or anything. XXXX has been open since XXXX and other since XXXX. They said it was closed due to they could not verify the authorized users. What if maybe i input their info wrong or a discrepancy on users end of the information. I have all their info such as license, social, bills etc to prove their identity and boa does not care. They pretty much said too bad your terms and conditions have expired. Yet let alone never ever have had a late payment or issues with them on these XXXX accounts but they decide to close them without notice or communicating to fix the situation. I even told them to remove all the authorized users and i wo n't add any back and they said no. I 've been a boa customer for over 12 years but i guess that does n't 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 2017-10-20 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a new credit card in XX/XX/XXXXand the criteria of the card is spend {$1500.00} in the 1st 3  months and we will give you {$350.00} within 6-8 weeks. I met the criteria XX/XX/XXXXand today marks the 8 week mark. When i reached out today through a phone call i was transferred 3 times then put on hold to be hung up on. i called at XXXX XXXX and they sent me an email at XXXX to tell me i met the criteria on XX/XX/XXXX 's billing statement. The email i received from them with instructions for the bonus says nothing about meeting the criteria at the end of a billing statement. They are telling me i have to wait another 6-8 weeks and this information was not relayed to me in the beginning or i would n't be making such a big deal of it. The customer service i 've experienced since i reached out to them XX/XX/XXXX has been horrible. I 've banked with them for years and i think i have found the reason why i should n't have opened my credit card with them. I will be closing this card once i am out of the clear with payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I 'm an independent contractor, a US citizen living in the US. I opened a Capital One 360 checking account on XXXX XXXX, XXXX. I deposited {$50.00} through XXXXl from another account then received payment from a company for contracted services through wire transfer, The company is based in XXXX. The name of the company is XXXX. XXXX XXXX XXXX they are a legitimate company that I have known for years. They sent 2 payments through wire transfer. The payments both cleared. The last one was sent XXXX XXXX, XXXX. Because I liked the service I had receive I had my daughter set up an account with them. I then sent her money to help her with rent and food. Then yesterday XXXX XXXX, XXXX I noticed the money I had sent her was back in my account. I called Capital One to find out why. They said they were unable to help me and transferred me to their security team. The security team said due to an internal audit that they are closing my account and due to security reasons they can not tell me why. They said the only way to get the money in my account was to have the originator of the funds to request it back. My daughters account is now over-drafted and I had to make a very embarrassing call to the company I 'm doing work for. The company does not know how to get the money because it 's a cleared wire transfer. I 've tried to call Capital One back and I only get customer service reps that ca n't help me and transfer me to an answering machine where I have left several messages and no one calls me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of america closed my two accounts without any warning or anything. One has been open since XX/XX/XXXXand other since XX/XX/XXXX. They said it was closed due to they could not verify the authorized users. What if maybe i input their info wrong or a discrepancy on users end of the information. I have all their info such as license, social, bills etc to prove their identity and boa does not care. They pretty much said too bad your terms and conditions have expired. Yet let alone never ever have had a late payment or issues with them on these two accounts but they decide to close them without notice or communicating to fix the situation. I even told them to remove all the authorized users and i wo n't add any back and they said no. I 've been a boa customer for over 12 years but i guess that does n't 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 2017-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I sent a complaint to chase XXXX handle Saturday in regards to them cancelling my card,due to fraud, and I explained to them that the nearest chase in 30 minutes away. I have XXXX XXXX kids. No car. I use XXXX so I need my card so the rep told me that she would have my card rushed. It is now Friday

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX, Account Number XXXX in the amount of {$1300.00} for XXXX XXXX XXXX XXXX has been deleted from my credit report and now reappeared. I was never given the 5 day notice for the items to come back on my credit report that is required by the FCRA. I was never even contacted by XXXX XXXX so how can they verify the debt with the credit bureaus and not me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I have been going through a loan modification through the XXXX XXXX XXXX XXXX and my mortgage company Freedom Mortgage. We had struck a deal with the mortgage company to modify my payments since I was going through a divorce, and I sent the XXXX XXXX XXXX XXXX money ( I have receipts ) to help. It has been about 9 months now and I just received my Sheriff 's Sale notice. I have been calling the XXXX XXXX XXXX XXXX for the past week with no response. I called today my mortgage company and they have said they last contacted them in XXXX 2017.

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 2017-10-20 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: NJ

Complaint narrative:
XXXX XXXX, Account Number XXXX in the amount of {$1300.00} for XXXX XXXX XXXX XXXX has been deleted from my credit report and now reappeared. I was never given the 5 day notice for the items to come back on my credit report that is required by the FCRA. I was never even contacted by XXXX XXXX so how can they verify the debt with the credit bureaus and not 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 2017-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I contacted XXXX Transunion to dispute errors on my credit report some of them are extremely damaging negative information that is falsely reporting as derogatory or negative and was paid as agreed, transferred, and closed, never late and are too old to report anyway. I am showing 46 payments ever late because of it and it should be at least 10 or less maybe 0. There are several erroneous duplicate accounts showing before actual loan date was established as actual loan there was only 1 loan and the loan was paid as agreed transferred and closed is from XXXX and needs to be deleted. The actual consolidated loan from XXXX XXXX XXXX XXXX XXXX after XXXX XXXX XXXX is a {$50.00} a month payment for 10 months showing paid as agreed, transferred and closed as of XXXX XXXX. I am trying to correct payments ever late and length of credit from 12 years to 16 yrs. since the actual span of credit is 16 yrs. not 12. This should be reporting since they have record of my paid as agreed katahdin loan from XXXX but it still reports only 12 due to error. This is negatively affecting my credit score and needs to be adjusted immediately. When calling their customer service I am not able to successfully correct or dispute payments ever late or length of credit. I have also written a mailed dispute form requesting these changes and the removal of the accounts that are fraudulent too old to report are showing negative when paid as agreed and are erroneously duplicated with dates before the actual loan date came into affect. I sent a dispute to transunion at least 5 months ago and have not received a response or any changes to my information.When attempting to call their trueidentity transunion lines I end up with interception, unwanted listeners and am unsuccessful at filing the dispute or making changes over the phone.

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 2017-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX

Complaint narrative:
I researched the information, an this debt was back in 2011 .It exceeded the State of Texas statute of limitations Debt collection ACT. 4 years past due. They put it on the credit report to make it look like it just happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I just want to bring to your attention an issue I had with XXXX XXXX ( formerly known as NationStar ). During my recent mortgage payment I made an additional payment on top of my monthly mortgage. I am up to date with my payments. Rather than apply my additional payment to my principal, they used it as an additional monthly payment. I find this very troubling because this result in the additional payment being used to pay for interest and it increases the interest I will be paying on the mortgage. 
Before XXXX XXXX, my mortgage had other servicers and this is the first time this is happening. I think this kind of behavior is n't in the interest of their customer. It helps XXXX XXXX make more money while cheating the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: DISCOVER BANK
State: CA

Complaint narrative:
In a review of my credit report I have a hard inquiry from Discover, XXXX, DE. I have not applied for a discover card or any related to discover. I am working on my credit to keep my score down and noticed that this is the second time Discover, XXXX, DE has requested a hard inquiry. I was under the impression that only companies that I have given permission to run a credit report are allowed to access? It is a low impact on my overall credit, however, if I have not given permission how are they accessing? I had a discover card back in the XXXX, but that was paid off, how can they continue to request and why?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am writing as a follow up to Complaint # XXXX ; In which The Company responded on XXXX XXXX, 2017, indicating that this account would be closed per A. XXXX ; XXXX XXXX. 
The account was indeed closed, finally after more than 2-weeks of my paycheck continuing to be garnished for a total amount of : {$330.00} being illegally garnished from my paycheck due to an illegal civil judgement. 
Since this time, I have not had any follow up from this company, or attempt to return the money that they have already received from my paychecks. 
I am asking that this full amount be retuned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I started this chat with Capital One on Thursday, XX/XX/XXXX. I recently made a large payment of {$4300.00} on my credit card. Usually when I make a monthly payment it takes a day or two at most for my balance to reflect that payment. Now all of a sudden I am being told that there is a hold on my account because they have to ensure that the money was taken from my bank. I confirmed with my bank that the payment was processed on XX/XX/XXXX. This transaction is no different than any other aside from the amount. The money was taken from my bank yesterday, XX/XX/XXXX. Exactly one day after the payment posted. As I have stated if this were my usual $ XXXX monthly payment there would be no problem. However, it seems that now that I am trying to pay down the balance thus giving them much less interest there seems to be a problem with reflecting my available balance. I want them investigated for fraudulent business practices as it seems there is an issue. They of course would much rather hang on to that balance for as long as possible so they can get the interest. I paid a huge amount on another card that I have with them and there was no problem.

Company response to consumer: Closed with explanation