vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: OR

Complaint narrative:
XXXX XXXX allowed an individual to open a new card account in my name and subsequently allowed a charge for jewelry. It was shipped to a different city than I live, to an address I have nothing to do with, to someone I don't know. I had a XXXX card in the past but it was closed about 20 years ago. I have not opened a new card. 30+ Days ago I spoke with XXXX and their fraud department, they told me they would cancel the card and start a fraud investigation and provide me with information within two weeks. I have yet to receive anything AND am still getting promotional material for the account that appears to still be open. I am having to pay on this fraudulent account to keep from having derogatory reporting from XXXX XXXX on my credit report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I sold tickets and used paypal goods and services for payment. Weeks after the event, I received notification that the buyer disputed the transaction and I was informed I needed to provide proof that the buyer received the tickets. I sent the text conversation before, during and after the buyer received the tickets. I also included the email confirmation from the XXXX XXXX XXXX that the buyer received the tickets. A few weeks later I was told they favored with the buyer and because the dispute was opened through his credit card company and not paypal there was nothing they could do. They took {$1200.00} dollars from me, thus making my paypal account negative. I have reached out several times and just get the run around or basically told I am XXXX. Now I receive calls every hour asking how I'm going to resolve the issue. I have told them I am still trying to work with Paypal in which they ignore me. I have asked them to not call me, in which they ignore me. They have threatened that they are going to mark me as refusal to pay and that this will impact my credit and that they are going to close my account. I did nothing wrong to begin with, so to get calls every hour is ridiculous. They could not help me when I need something from them, but now they need something from me and are calling me every hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 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: CA

Complaint narrative:
Equifax and XXXX are reporting me as 120 days late on the XXXX XXXX XXXX XXXX account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the two bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: AZ

Complaint narrative:
I have never missed a payment and my account is not past due but XXXX  XXXX XXXX notified Transunion that I am. 

XXXX  XXXX XXXX NA # : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX We investigated the information you disputed and updated : Balance ; Date Updated ; Past Due ; Rating. Here is how this item appears on your credit report following our investigation. 
Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Line of Credit Account Loan Type : HOME EQUITY LOAN Balance : {$31000.00} DateUpdated : XX/XX/XXXX Payment Received : {$300.00} Last Payment Made : : XX/XX/XXXX High Balance : {$36000.00} Credit Limit : {$57000.00} Past Due : > $ XXXX< Pay Status : >Account 60 Days Past Due Date< Terms : {$330.00} per month, paid Monthly >Maximum Delinquency of 60 days in XX/XX/XXXX and in XX/XX/XXXX for $ 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 2019-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
In XX/XX/XXXX a tree from neighbor yard fell causing damage to my house and deck. A claim was filed with my insurance company, and check was issued to me and to Ditech Financial as loss payees. I sent the check to Ditech and funds were sent to me by them to cover expenses, less a final amount held in escrow account pending satisfactory repair. Ultimately, Ditech issued a check to me in the amount of {$590.00} to close the escrow account, which I deposited XX/XX/XXXX. on XX/XX/XXXX I received notice from my bank ( XXXX XXXX XXXX ) that the check from Ditech was dishonored, and I was charged a fee of {$7.00}. I called Ditech XX/XX/XXXX and was told that an ACH transfer in the amount of {$590.00} would be sent to my bank account " within 72 business hours. '' There was no transfer. I called again on XXXX and was told that the payment request " was still in the system pending payment '' and that there were " about 3000 other customers in the same circumstance. '' The service rep XXXX offered to send a check for the {$7.00} fee. The primary payment would " probably '' be made " within a couple of weeks. '' As a reminder, this is an escrow account and the funds do not belong to Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Friday XX/XX/XXXX after XXXX I went to Bank of America, XXXX XXXX XXXX to wire transfer {$1500.00} to my brother in XXXX. The paperwork was completed by XXXX XXXX about XXXX. He said Wire Dept. was closed at XXXX. and this transaction is not going anywhere until Tuesday XX/XX/XXXX. Monday was holiday. Later I noticed an error and went back to B of A Saturday XXXX. I talked to the Manager to cancel the transaction. She did the paperwork and said Wire Dept. is closed, this will be cancelled first thing on XX/XX/XXXX. I was at B of A Tues. XX/XX/XXXX by XXXX XXXX. to make sure it is cancelled. XXXX XXXX told me it is cancelled already. He said the money will be in your account by the end of today or tomorrow. I went to bank the following Friday. Mr. XXXX send me email indicating that XXXX XXXX  does not respond. Then I found out the money went to XXXX. I filed complaint at Attorney General, Mayor of XXXX, Federal Trade Commission. I received response from Attorney General referring me to CFPB. I talked to Dispute three times, it was recalled but no response from XXXX XXXX  yet. Please help me to get my money back from B of A. I find them to be at fault.

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 monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I have attached two recent mortgage statements from Specialized Loan Servicing that I received over the past two months. My mortgage servicer, XXXX XXXX XXXX XXXX, sold my loan to Specialized Loan Servicing in XXXX of 2018. There is an " Order of Protection '' in place thru the XXXX XXXX of New York bankruptcy court. I specifically marked the mortgage payment stub that I sent to Specialized Mortgage Servicing that the {$1700.00} payment was specifically for my taxes and to be deposited into the tax escrow account as ordered by the NY Bankruptcy court. Please note the principle balance from one statement to the other as the principle balance has reduced from {$530000.00} to a balance of {$530000.00} I am going on record that I will NOT be sending anymore money to the loan servicer as they are in violation of the Order of Protection. I have notified them and have not received an answer, or a transfer of the money into the escrow account. Please advise them to take care of this matter and let me know. 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 2019-03-08 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: MN

Complaint narrative:
I opened up credit card accounts with Capital One, XXXX   XXXX, XXXX XXXX XXXX, And XXXX XXXX. I only wanted a minimum amount of credit of XXXX for each card. I got from Capital One I believe was XXXX, and somehow I got an invitation from XXXX XXXX to open a line of Credit ( I never asked for ) ... they too charged me XXXX. XXXX XXXX forced me to take XXXX, I only wanted XXXX, and no more than XXXX. They opened my account at XXXX. When I lost my employment and was unable to make my monthly installments on time they kept tacking on interest rates that were too high for me to keep up, so I closed All of my accounts. Since my accounts are closed, are they still able to charge high interest to the accounts? I've asked for payment arrangements, and extensions to be able to pay my debts, however ; I wasn't able to keep up with payments, so they started to harass me with unwanted phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got charged a XXXX dollar return fee in XXXX. Because Bank of America approved a big transaction which is XXXX to make my account become negative status. But when I opened that account. I already choose close overdraft function which is no one can take my deposit if my deposit not enough to withdraw. So I called Bank of America rep. They said they will waived that fee because this is my first time. But I need to deposit enough money to make account has enough money. It is weekend. I can not transfer that money during the money. So I called them next week during business day which has enough money in my account. But their manager XXXX is very rude to me. She changed her mind. She said she can not refund the fee for me. They promised they can refund my money. They should honor it. If they did bait and switch every time. How can they let customer trust them in the funture.

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 monetary relief
Consumer complaint received 2019-03-08 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: TX

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, I sent certified letters to Equifax, XXXX, and XXXX disputing inaccurate credit accounts and inquires on my credit files. I have sent supporting documents several times also. Due to this inaccurate information being reported by the credit bureaus, I'm paying higher interest rates as a consumer and being denied credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I have been making payments to Tower Loan XXXX  for an account with them that was in closed status. In an attempt to correct and pay I debt off in order to purchase a home, I made arrangements to pay the company. The company has since only reported one payment and I have paid off the balance of the account. I would like the incorrect information to be removed promptly as it is hurting the process of purchasing a home.

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 2019-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Milby Law Offices P.A.
State: KS

Complaint narrative:
On XX/XX/XXXX I received notification from my employer that they were served a garnishment on me from Milby Law office in XXXX for a XXXX Limited actions case out of XXXX XXXX. I attempted to contact the law office to advised them that this was included in a bankruptcy in XXXX. XX/XX/XXXX I finally was able to speak to XXXX XXXX in the law office who stated there was this garnishment and two others they were going to take out of my check. I advised her again i was unaware of this debt or the others. She said that it had been served to an old address. I advised her this case was included in a bankruptcy and that on the other 2 garnishments that I was not made aware of them but if we could set up an agreed payment arrangement I would like to do that. She advised me I legally could not due that and it's been sent in for garnishment and there is nothing I can do now. I advised her I knew this was incorrect because I have a current garnishment I am paying on with another law firm and the garnishment is a set amount each paycheck. XXXX said " Sweetie I work in a law firm, you don't '' she told me I had no rights to dispute this debt or to do anything in regards to making a payment arrangement because they have already sent it to my employer to take it out of my paycheck. When I asserted that I did know my rights and that I have the right to she got mad and said " I just can't do this, '' and then proceeded to hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was a happy Wells Fargo customer and doing everything right. Then out of the blue, Wells Fargo calls me and says due to IRS deposits coming in, they had to close my account. These deposits were from my kids. I was told that I can have their info sent to my account. I was told that because I didn't add them to my account as a signer, they can not accept the money. I am now out {$6400.00}. I am very unhappy about this.

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 2019-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In 2014 I was working with navient to pay off my student loans, I worked out a monthly payment plan to get brought current with my payments. I had paid on my student loans for the six months span they said I should. After the 6th month they told me that my loan would be transferred back to Sallie Mae where I could continue to make these payments.when attempting to get a hold of Sallie Mae they had no information on my loans they didn't know anything about my particular student loan debt. however upon getting back in touch with navient they told me that it was no longer in their system because they transferred it to Sallie Mae and I was brought current with my loan. I was also told that since my loans were current, that my tax return would no longer be withheld from me and I would even be able to reapply for a new student loan if I so chose. After a few days of trying to contact Sallie Mae I received another phone call from navient. they informed me that I was delinquent on a loan, which I explained I have been paying for 6 months and done everything appropriately. It turns out they conveniently left one of my loans out of the original debt that I had.so, I'm thinking I'm doing the right thing and paying off my student loans and getting ahead of it. Apparently they decided to leave one of the student loans out so they could continue to call and harass me about a separate student loan. Which should have all been bundled into the one payment I was making. Upon doing some further research, I found that four of my student loans were paid up and current, and the two that they conveniently forgot about we're still in delinquency. at this point, Sallie Mae still has no information about my student loan making it impossible to pay. A navient wants to start this payment plan all over again with separate loans that should have been included in the original. my taxes have been taken from me every year since then, and I have still not been able to resolve the issues of the misplaced loans while dealing with navient. when trying to do the right thing and pay off a debt, a company that large should not be doing everything they can to hold you back from paying off said debt. it's been racking up interest and late payments and everything else simply because they decided to separate my student loans and not tell me that I was only paying three-quarters of my loans. I have since gotten married and had children, now as a family we are losing all of our tax return at the beginning of the year. I have just recently heard about the lawsuit against navient, and realized a lot of the things that are in that lawsuit is what they also did to me.after doing what I could to get on track with the loan repayment and fix my credit and get my taxes back at the beginning of the year, they have continued to make that nearly impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I became ill after my husband died.It was determined that I had XXXX XXXX. I received a XXXXXXXX XXXX and have been on the road to recovery for the past years.I tried to get an modification from XXXX XXXX XXXX XXXX for several years only to be mislead by bank. In fact when I wrote a letter to the CEO of XXXX XXXX concerning my situation. I was transferred to Rushmore Mortgage services. 
Rushmore received file on XX/XX/2019 two weeks before a scheduled auction. 
They had no time to review documents for a short sale or short payoff.. 











rding

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I obtained a second loan for {$50000.00} on my property at XXXX XXXX XXXX, XXXX, California XX/XX/XXXX from XXXX XXXX XXXX. The length of the loan was for 120 months. I have attached a copy of that document. At some point the loan was sold to Ocwen Loan Servicing. I continued to make payments and was never late. In XXXX of this year, XXXX, I asked for Ocwen for a payoff quote for the loan. On my statements it showed a principal balance of {$410000.00}. I received a payoff quote of {$8700.00} cents. I asked why was the payoff amount was so different from the balance it showed me owning and I was told that when Ocwen took over the loan from XXXX XXXX, XXXX XXXX had failed to calculate the correct monthly payments so I owed the difference. I wired the payoff amount of {$8700.00} to Ocwen, on XX/XX/XXXX. ( see attached copy of the wire transfer ). I received a letter from Ocwen XX/XX/XXXX, ( see attached ) stating the loan was not paid in full because of the before mentioned issue with XXXX XXXX and actually I owed an additional amount of {$7100.00}. 
I don't understand how this is possible to go from a balance of {$4100.00} to owning over {$17000.00}. I never received a statement from Ocwen stating I owed this amount until I paid off the loan. I made a good faith payment of the payoff quote I received in XXXX. Please investigate Ocwen. I had asked for a explanation of these additional charges and was verbally told someone would get back to me. As of today, I have not heard from Ocwen. 
I have attached copies of my XX/XX/XXXX statement showing a avg daily balance of a little over {$4000.00}. My XX/XX/XXXX statement showed the same avg daily balance. Now XX/XX/XXXX latest statement is showing an average daily balance of {$10000.00}! That has to be an error, when Ocwen is now saying I owe {$7100.00}. 
They also appear to have changed and falsified the payment history which is different from the account history I had seen when I was making monthly payments. There was NEVER a balance of over {$17000.00} showing in XXXX. This balance was never reflected on my credit report or on any other documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
I filed a challenge to a fraudulent collections on my credit report with the three credit bureaus and only one took it off-XXXX XXXX. XXXX  and XXXX have not and will not explain why and has refused to send me their decision and why via mail. XXXX XXXX XXXX ( XXXX ), who has had a plethora of complaints for falsely accusing people of having a collections with them and destroying their credit, claims I had a contract with XXXX XXXX and owe them over {$2600.00}. This is not true. I had a prepaid account with them years after this supposed account was opened. Even if this was true it would have been a breach of contract because I know XXXX 's policies and nowhere does it say they can sell you information to a third party and that is exactly what XXXX is claiming happened. On top of this XXXX   allowed XXXX to change information on my credit report without my knowledge or consent. 

I have already complained about both of these things with this company and it was closed without my consent claiming I said I no longer had a dispute. I requested to have it reopened and I was told it was, but have not received any response nor can I find it. This is my second attempt at resolving this issue.

Company response to consumer: Closed with non-monetary relief