vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
we recently refinanced our home with XXXX XXXX, they contacted Ocwen Loan Servicing for payoff amount and XXXX paid off the mortgage. there was an escrow balance of {$880.00} which Ocwen never returned to us. I contacted Ocwen by phone they stated that the escrow was kept to pay off fees that were not included in the payoff of the mortgage. I then emailed and asked for a detailed statement. I 'm not sure I understand one line of it? " As per the State laws ; in Ohio, foreclosure fees will not be charged and assessed. '' I read it as I wo n't be charged or assessed fees? 

Ocwen Loan Servicing, LLC ( OCWEN ) would like to take this opportunity to thank you for your recent communication regarding the above referenced loan. We appreciate the time and effort on your part to bring your concern to our attention. Pursuant to your request, we have reviewed the loan and below is our response to the concern raised : Concern # 1 Response You inquired about the balance of {$880.00} in the escrow account, which has been applied toward the fees. 
We reviewed our records and it was determined that foreclosure fees in the amount of {$1500.00} were not included in the payoff quote. As per the State laws ; in Ohio, foreclosure fees will not be charged and assessed. Therefore, the funds in the amount of {$880.00} from the escrow account have been applied toward the fees and expenses. 
Below is the description of Foreclosure fees assessed on the loan. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Date Description Amount -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX Foreclosure Fee {$280.00} XX/XX/XXXX Foreclosure Fee {$520.00} XX/XX/XXXX Foreclosure Fee {$310.00} XX/XX/XXXX Foreclosure Fee {$100.00} XX/XX/XXXX Foreclosure Fee {$300.00} XX/XX/XXXX Foreclosure Cost {$42.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Total {$1500.00} Less Paid/Waived {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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: OR

Complaint narrative:
Hard inquiries where made on my account that i did not authorize. I have called both Transunion, XXXX  and creditors all parties have been unwilling to resolve my issues 1 ) XXXX XXXX XX/XX/XXXX 2 )  XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XX/XX/XXXX 8 ) XXXX  XX/XX/XXXX 9 ) XXXX XX/XX/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 2017-11-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Bought my 2nd home since XX/XX/XXXX with two lines of loan, and was promised I can modify within few years. Paid my mortgage monthly for almost 5-6yrs. In XX/XX/XXXX I decided to modify the loan, but has been very very difficult to get any successful answer. The servicing company totally refused to assist. I have been filing papers upon papers. 

Okey, I decided to try short sale since they bank/servicing company totally refused modifying and reducing of the interest rate. Tried short selling through an agent in Delaware who helped in finding a buyer, submitted all necessary documents and did a down payment. They denied not receiving necessary documents and decided requesting documents and documents. The frustrating part of it was I never a time i had a steady contact. Finally they refused accepting the documents and refused to accept the offer. Before I know it the loan was sold or transfer to another servicing/financial company with another financial company. The annoying part is that severally calls will be coming from Utah, and when I do answer, no one on the other end. This is very very frustrating. About a I called the company someone did answer and told me my document is still incomplete. In reply, I made him to understand that I am no longer interested, I need my house back and will want to resume paying my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX/RESURGENT is a collection agency account no.XXXX appearing on my XXXX, XXXX and XXXX credit bureaus.the original creditor is XXXX.The XXXX  account had numerous unauthorized charges.After notice in conversation with XXXX the charges remained.Without resolution XXXX continued the fraudulent charges escalating the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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: OR

Complaint narrative:
Hard inquiries where made on my account that i did not authorize. I have called both XXXX, Equifax and creditors all parties have been unwilling to resolve my issues 1 ) XXXX XXXX XX/XX/XXXX 2 ) XXXX November 16,2017 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XX/XX/XXXX 8 ) XXXX XX/XX/XXXX 9 ) XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
XXXX XXXX XXXX account XXXX is appearing on my XXXX and XXXX credit bureaus.it has been deleted from XXXX.ERC is a collection agency for XXXX the original creditor.At the time of the problem I contacted XXXX regarding numerous unauthorized charges.In contacting XXXX multiple times to resolve the problem, XXXX kept escalating my calls to higher authority and long hold times without answering.The issues were kept in a state of limbo by XXXX without ever addressing or resolving the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I did not authorize an inquiry to be done of my credit report. 
XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive called equifax several times over a 5 month period to get my credit report unlocked because chase bank said it had a report freeze on it so Ive been unsuccessful dealing with equifax, every time i call i get a different answer on XXXX XXXX, 2017 is where I draw the line. First an equifax employee said i have no freeze or lock on my file but when I try to get the bank to pull it they say its still locked, Ive done that a few dozen times! Its a shame that they sell you a service to lock and unlock your credit report could turn out to be the worst decision

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I fell behind on payments on my Chase credit card. I contacted them and closed the account and made arrangements to pay off the balance. I paid off all but around {$1000.00} and I called to try and settle as I could not make the payment anymore. They told me no, I could n't settle. So I stopped payments. That was in XX/XX/XXXX. Ten years later, this is still on my credit report. The report says I was making payments through XX/XX/XXXX which is a complete lie. The last payment I made was in XX/XX/XXXX. It also says the last contact I had with them was in XX/XX/XXXX. Again, a lie. This should 've been removed from my credit report years ago. Furthermore, if I had been making payments for those 5 years between XX/XX/XXXX and XX/XX/XXXX, the balance would have been paid off! They are blatantly lying about my account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I did not authorize an inquiry to be done of my credit report. 
XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX 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 2017-11-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX XXXX/XXXX/XXXX To whom it may concern due to investigation by XXXX and XXXX they have determined that these Inquires from. 

XXXX ( X/X/17 ) ( X/XX/17 ) ( X/XX/17 ) ( X/XX/17 ) ( X/XX/17 ) X/XX/17 ) ( X/XX/17 ) are duplicate inquires and were removed from my credit file please find and investigate the company and dates attached and update my credit file to reflect and correct these findings. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter XXXX 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 2017-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I recently opened a PayPal MasterCard account with a {$700.00} limit through Synchrony Financial. Following my first payment, I started having problems using my card. I got this card to use daily similar to a debit card and pay the balance in full each month. 

The first month, I had a balance of approximately {$400.00} which I paid on time and in full. About five days later, I attempted to make a purchase at a restaurant only to have the card declined. I called Sychrony to determine why I could not use my card even though I paid in-full and on-time. The  response given was that a hold was placed on my payment and that my full credit limit will be available 5 business adys from the payment date. 

The next month, I had a balance of {$670.00}. I paid-in full, on the due date online on XX/XX/XXXX and received an email confirmation of payment at XXXX CT on XX/XX/XXXX. Watching my account to see if they would be placing a hold on my account again, I noticed I was charged a late fee. The website showed I paid on XX/XX/XXXX and a {$25.00} late fee was assessed. Again, I called. This time, it was to dispute the late charge. I was informed that the charge was waived ( so kind ) in addition to my account being placed on hold ... again. This representative said it was federal law to put payments on hold when it was a " huge '' payment. I asked what constituted a " huge '' payment. I got no satisfactory explaination. The representative said that my balance would be available in 5 days. 

Today, XX/XX/XXXX, I attempted to purchase necessary medications ahead of the XXXX holiday since my pharmacy will be closed. Yet again, my card was declined for a {$20.00} purchase. I called for a third time. I got no help from the representative other than my credit would be available in 5 days. He could not give my a reason why my account was still on hold even though I paid on XX/XX/XXXX and the payment cleared my bank XX/XX/XXXX. He attempted to say I made multiple payments which I did not. In the end, the call was fruitless. I will be closing this account as it does nothing for me to have a credit card I ca n't use when I need it. I 've met my obligations by paying my account on-time only to be declined when I need to use the card with no decent explanation or attempt at remedy.

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 2017-11-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I reached out to the CEO of Capital One via email. The email I sent over was a goodwill letter asking for forgiveness and an adjustment for 7 late payments that I acquired from XX/XX/XXXX to XX/XX/XXXX. I explained in the letter that my late payments were due to financial hardship. During that time, I had lost my job and suffered XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received a call from a XXXX from the executives office on XX/XX/XXXX regarding the letter basically informing me that theyll look into the matter and by the end of the week, I should expect a response. The following day, I received another call from XXXX at the executives office stating theyre not willing to adjust the payments but refused to inform me why they chose to decline. Attached is the letter that I sent via email to the CEO.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX ( 17 days ago ) I wired {$6300.00} from my personal bank account and it still has not been depositted into my USD wallet. I opened a support ticket ( # XXXX ) two days after sending the funds ( on XX/XX/XXXX ) but I have yet to receive any useful information about my transfer. I have left numerous requests for update on the ticket and with no response. 

I have called the support number twice and spoken to two different reps after 20+ minute wait times. Both reps told me that they can not access this information but they will escalate the ticket to a specialist and I would be contacted back. Coincidentally, both calls ended with them hanging up on me followed by a response to my ticket stating " Sorry, we got disconnected ''. After the last call on XX/XX/XXXX, my ticket was marked as closed even though they did n't give me my money. I immediately reopened the ticket asking why it was marked as closed but I have n't received a response in 3 days now. 

Also, on XX/XX/XXXX I went back to my bank to make sure they did n't mess this up on their end. They ensured me that the money was successfully deposited into Coinbase 's bank account. They gave me the confirmation number which I included in my ticket. 

Attached to this complaint is proof of my wire transfer provided by my bank and the full transcript of my communication with Coinbase support via my open ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I paid my balance in full last month, yet was charged interest because I did not pay the balance the month before. It was explained that even though I was already charged interest on the previous months charges, and then paid the account balance prior to the due date as it was billed, I was being penalized for not paying it off the month before and that the Capital One cards are not like other cards, in that the only way to avoid interest is to pay it off each and every month. Again, I paid the balance in full prior to the due date. Also, when asking that the XXXX-dollars and some change be waived as a courtesy, I was advised that there were currently no offers to waive the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I requested validation of two accounts that appeared on my credit report from Commonwealth Financial Systems. In my letter I specifically requested VALIDATION. In response they sent me two separate supposedly itemized statements in which looked liked something they created. There was no documentation provided that actually verified that I visited and received services from the alleged medical provider.It is my understanding that no entity has the right to retain, report, transfer, sell utilize or else wise any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and or any non compliant allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2017. This company 's action is not federally backed. This company is trying to collect a debt that is past the 4-year statute of limitation which definitely has already expired. Also in the letter they sent, there is nothing stating that the debt can not be sued over. These definitely are violations of FDCPA. Collection agencies are obligated to state this in their correspondence. I am also sending this company a letter to demand them to cease and desist any collection activity including reporting to the credit bureaus.

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 2017-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BFS Capital Inc.
State: NY

Complaint narrative:
The problem is that the payment is {$540.00} a day which is too hard for me. I didnt understand that I will have to pay {$540.00} a day. I thought it would be weekly. Also, when they told me the rate is 1.1 %, I thought it was monthly but they meant daily. I feel like I was trapped into this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have contacted the company, the company the debt was sold to and trans union to resolve this matter for more than 3 months but nothing seems to be resolved

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 2017-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX acct XXXX a collector for XXXX XXXX. 
is attempted to collect a debt that was covered by insurance at time of service. 
the debt is an error on XXXX credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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: U.S. BANCORP
State: AL

Complaint narrative:
I went car shopping at XXXX XXXX XXXX in XXXX. The sales person collected personal information in which he stated once we found a car we would move forward. Well the car I was looking for was unavailable. So we did not move forward. Well a few days later I got an alert from XXXX alerting me that my credit had been pulled by US Bank at the behest of XXXX XXXX XXXX. I called the dealership informed them that I had not given consent at which point they directed me to the sales manager who stated he mistakenly ran my credit. He then stated he would provide me a letter stating such so as to ensure I could get those inquiries removed. I provided the letter to each bank in which pulled my credit yet US Bank Refused to remove their inquiry even after numerous letters sent to them. They have yet to respond to the request in which I submitted at their behest on XX/XX/XXXX. I provided for a third time a copy of the letter from the dealership stating they pulled my credit in error.

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 2017-11-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cash Express, LLC
State: AZ

Complaint narrative:
I have contacted the company, the company the debt was sold to and XXXX XXXX to resolve this matter for more than 3 months but nothing seems to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
cmre financial service acct no. XXXX is attempting to collect a debt that was covered by insurance at time of service.IT IS WRONGFULLY APPEARING ON XXXX CREDIT BUREAU

Company response to consumer: Closed with explanation