vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
A. On XX/XX/XXXX was told by Ocwen via equator message that the net was short around {$3000.00} and to submit a higher offer. 
B. Higher offer was submitted on XX/XX/XXXX which increase the offer to {$260000.00} the net by {$2500.00} ( which is around $ XXXX ) C. Escalation dept confirmed receive of document XX/XX/XXXX yet underwriting did not not the file as complete until TWO WEEKS later despite my follow ups. 
D. File was at a standstill until XX/XX/XXXX despite weekly follow ups we should not be penalized for underwriting taking much longer than they should have. 
E. XX/XX/XXXX I increased the net even more to {$230000.00} which it is over {$3000.00} higher in net then the original hud submitted I do not understand why the short sale is not pending approval with the above considered

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I had an account with USAA about 6 years ago, there was a deposit made by the XXXX XX/XX/2018 to that closed account. I called to recieve funds from the closed account, and USAA decided to mail the check to an address i no longer reside. When i asked USAA to stop payment on the check they told me i have to wait 90 days from today XX/XX/2018 in order for them to stop payment, then they would send the new check to my current address. I asked to speak to a representative, and i was told i wouldnt hear anything back until a couple days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This inquiry is unknown.

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 2018-03-14 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: LEXISNEXIS
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN, I XXXX XXXX WAS A VICTIM OF IDENTITY THEFT MY HOME WAS VANDALIZE IN 2015, ALL MY PERSONAL INFORMATION WAS STOLEN AND BECAUSE OF THAT SEVERAL ACCOUNTS WAS OPENED AND A BANKRUPTCY WAS FILED IN MY NAME AND SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE OR PERMISSION. IM FILLING THIS FTC REPORT TO HAVE ALL ITEMS DELETED OFF OF MY CREDIT REPORT THIS IS HINDERING ME FROM MOVING FORWARD WITH LIFE AFTER BEING A VICTIM OF ROBBERY, AND IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: AR

Complaint narrative:
XXXX XXXX, Equifax, and XXXX keep reporting XXXX on Credit, XXXX XXXX XXXX XXXX and XXXX XXXX as bad marks on my credit files. I dipute all of these in the past and they were removed. They just change the name of the debt collectors and re report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: AR

Complaint narrative:
XXXX XXXX, XXXX, and Experien keep reporting XXXX on Credit, XXXX XXXX XXXX XXXX and XXXX XXXX as bad marks on my credit files. I dipute all of these in the past and they were removed. They just change the name of the debt collectors and re report it.

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 2018-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Clark County Collection Service
State: NV

Complaint narrative:
I owed all together about XXXX $ in medical debt ( about 4 accounts all together ) one account in paticular ( the only one im complaining about ) they served me paperwork stating i owed XXXX $ i called debt collector CLARK COUNTY COLLECTION SERVICES ( XXXX ) who told me i ACTUALLY owed XXXX ( In a very ''matter of fact '' voice ) and informed them that i would pay it before the court date. I paid the debt in full on XX/XX/XXXX ( XXXX ) and thought it was done and over with and i emailed the ATTY that was retained for the case and he confrimed the account was paid in full ( i can provide documentation for all ) ( i do not recall the date of service however but i have the ppwk at home ) The collection agency is now calling me after all accounts were paid stating i owe an additional XXXX $ ( the cost to serve me ) however the XXXX i was told by XXXX ( allegedly all calls are recorded ) included interest as well as legal fees and that is why the cost was so much ( i was rather confused why they would seek a judgment for XXXX $ if they stated i owed XXXX. I am very frustrated and feel that i am being wronged and that they have no problem making up charges as they go so i am going to speculate this is common practice for them. It is now XX/XX/XXXX and i am still dealing with this. I am no lawyer but commons sense tells me its probably somehow ILLEGAL to just make up charges- This is definately deliberate and not an accounting error otherwise i would not still be getting calls everyday to pay the XXXX $ which is a slap in the face to me after all of this. Not to mention after it was all paid i NEVER was sent a letter stating i owed any other additional funds before i started getting calls over and over agian. I will not be paying this XXXX . It is riduculous that the burden of proof is on me the consumer to dispute these debts when they can just make up charges as they go. Something is seriosly wrong here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
During my 2009 XXXX and XXXX XXXX, the hospital ( XXXX ) asked that I pay $ XXXX/mo. I expressed at the time I was not working and couldn't afford $ XXXX/mo. I worked out a payment plan with the billing staff of $ XXXXmo and started paying immediately. Several weeks after the 6 weeks of XXXX and XXXX I received notification from XXXX XXXX XXXX ( previously a branch of XXXX ) that delinquent bills were forwarded them from XXXX for collections. I spoke with the XXXX billing staff repeatedly on the phone and over 5 times in person. The billing representatives acknowledged they were supposed to have culminated all of the incoming bills into the one assigned to me for payment. But stated the " rules '' didn't allow them to pull the billings back from collections even though it was an obvious mistake given the date of the payment plan commencement preceded the date of the collections. 
This XXXX person 's error decimated my 800+ credit rating down to the 600 's. And I've been struggling to bring it back up since.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Michael Wayne Investment
State: NC

Complaint narrative:
The Loan Contract Documents in the Auto Loan # XXXX was predatory / fraudalent/ and deceptive in requiring me to pay close to {$400.00} a month on a XXXX yr old car with a GPS tracking device discontinued by the Original Manufacturer ( XXXX ). & on page 5 the contract clearly states that I am not responsible to pay any amounts over the legal finance charges and interest rates

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 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: First American Solutions, LLC
State: FL

Complaint narrative:
First American Payment posted XX/XX/XXXX that i owe {$2100.00} due to an early termantion fee from a leased credit card terminal from XXXX. My employer, XXXX   XXXX for XXXX XXXX XXXX ; Launched an investigation XX/XX/XXXX. 

I was hospitalized in XXXX of XXXX. 

Since the beginning of XXXX, i have cotacted them numerous times via phone to work out a payment plan that the XXXX insists I do. They promised to send via email. Has not sent anything to fwd to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX MD XXXX XXXX XXXX Contact with first american payment was XXXX XXXX XXXX XXXX account # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-03-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2012 my account reflects 90 days past due XX/XX/2012 my account reflects 120 days past due This applies to both loans. My account was current and no past due as reflected.

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 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
it was a company, XXXX that said i owed them for a product that was returned over 7 to 8 years ago. now they put my account im collections for XXXX for what they said i bought again. was not notified & XXXX wont remove from my account. never gave them my social or any info. dont owe this company not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
On XX/XX/18, I received a letter stating that a new address was posted to my equifax credit file. The new address has an extra 2 digits after the first address line, this making it inaccurate. I called XXXX which was the number listed to call with a dispute or questions on XX/XX/18. I spoke with 5 different customer service reps who refused to fix their error until I supplied utility bills, etc. It is absolutely unacceptable to require me to provide documents to correct their error. I refused and they offered me nothing more than 40 minutes of wasted time. Incidentally, I know this is an error on their system and not in my lender 's data because every piece of correspondence from my new lender had my address listed correctly. My rights as a consumer should not be to correct their errors. As a data holder, they have the responsibility to correct their own mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit Management Services, Inc.
State: KS

Complaint narrative:
RECEIVED COURT SUMMONS FROM XXXX XXXX XXXX REGARDING ALLEGED DEBT, NOT VERIFIED FROM XXXX XXXX XXXX, SUMMONS LETTER WAS SENT TO PLACE WE HAVE NOT LIVED AT FOR OVER 3 YEARS NOT TO XXXX XXXX WHERE WE RECEIVE MAIL

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I did a cash out refinance through XXXX XXXX. They used XXXX  XXXX XXXX agent, XXXX XXXX who was instructed to payoff Wells Fargo loan number XXXX. 

She requested a Payoff from Wells Fargo Home Mortgage and the statement was received on XX/XX/XXXX. The payoff statement indicated wire instructions and that the amount needed to pay off the loan was {$66000.00} and that the payoff amount was good through XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX XXXX wired the amount of {$66000.00}. 

I received a collection call in mid XXXX stating that my mortgage payment was late. 

I called but they couldn't seem to figure it out. So I went into a branch. XXXX XXXX XXXX and then XXXX XXXX XXXX of Wells Fargo sat down and reviewed it with Me. 

XXXX then pulled up the mortgage account. He said that it appeared that Wells Fargo received the money but didn't apply it to my account until XX/XX/XXXX resulting in interest and therefore it appears to the system it's not paid off. 

They created a ticket number XXXX and they said it should be fixed in a couple of weeks. 

I got another collections call XX/XX/XXXX. I'm afraid that this is effecting my credit not to mention how much time I've wasted dealing with this. 

They told me I can just pay it and it will be paid off but I don't owe them anything. I don't know what to do! 

XXXX XXXX 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 monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX, I closed my Paypal Mastercard because the interest rate was too high. On my XX/XX/XXXX statement, the APR was 27.74 % ( for " Transactions on or before XX/XX/XXXX '' ) and so I assumed, because I already closed my account, the APR would remain at 27.74 % ( for " Transactions on or before XX/XX/XXXX '' ). I was not concerned about my current APR from transactions after XX/XX/XXXX because I had a XXXX balance at this point. Upon reviewing my most recent statement from XX/XX/XXXX, I noticed my APR was 28.24 % ( for " Transactions on or before XX/XX/XXXX '' ). I never received a letter or any type of correspondence regarding my APR was to be increased. Therefore, on XX/XX/XXXX at XXXX, I called Paypal Mastercard at XXXX and spoke with XXXX . I asked her about why my interest rate was so high compared to my previous statements. She replied that my interest rate is 25.24 % and that she didn't see it as 28.24 %. Then, I told her I was talking about the interest rate for " Transactions on or before XX/XX/XXXX. '' She then responded the same way - that my interest rate is 25.24 % and she didn't see 28.24 % anywhere. I told her that needs to be fixed because I felt the company was trying to deceive me. 

I have attached statements from XX/XX/XXXX to XX/XX/XXXX with " Transactions on or before XX/XX/XXXX '' highlighted in orange. Below the above phrase is " Regular purchases '' which I also highlighted in orange. I also highlighted the corresponding " APR '', " Balance Subject to Interest Rate '', and " Interest Charge '' that I am concerned about. I attached XX/XX/XXXX and XX/XX/XXXX for comparison 's sake, but the XX/XX/XXXX to XX/XX/XXXX statements are primarily my concern. 

XX/XX/XXXX and XX/XX/XXXX statements ' APRs are 27.49 %. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements ' APRs are 27.74 %. I never received a letter stating my APR was to be increased. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements ' APRs are 27.99 %. I never received a letter stating my APR was to be increased. XX/XX/XXXX and XX/XX/XXXX statements ' APRs are 28.24 %. Again, I never received a letter stating my APR was to be increased. 

I do understand my APR is a " variable rate '' but I had already closed my account. I also have other credit cards where the APR is a " variable rate '' but they don't fluctuate.

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 2018-03-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: KY

Complaint narrative:
I entered in loan modification program XX/XX/XXXX. I was only 9 months behind in mortgage. I am currently selling my home. the Partial Claim amount is {$66000.00} due by XX/XX/XXXX. If I am paying off the loan at the end of this month why does the amount remain the same? I've only been in the modification for XXXX this 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 non-monetary relief
Consumer complaint received 2018-03-14 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I carry a {$0.00} balance on my cards. Tried to make purchase ( {$5200.00} ) that was {$260.00} dollars above my citi XXXX  credit line ( XXXX ) and the payment was declined two days later. Their app does not have a high value payment process so I called Citi. The agent I spoke to would not allow my transaction to go through even though I said I would pay XXXX off immediately to bring within my limit. 

I asked for a temp line increase and she refused saying can only due a full credit reviewm which when undertaken was declined. She then asked if I could split the payment between cards. My limits with other issuers are much higher so i might aswell just use my XXXX or XXXX. 

Dont understand why Citi 's response is basically dont use our card and use another issuer - dont they want me to use their products?

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 2018-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Over 5 years ago, I enrolled in a debt consolidation program with XXXX XXXX XXXX, a company you are currently suing. I finished my program, in which XXXX. sent me multiple confirmations that all of my debt had been resolved and/or settled. I currently found out through a credit check for an apartment application that one of my debts, Bank of America, was not fully resolved and has been collecting interest, as well as damaging my credit for the past 4 years. I have not received any notification from XXXX. or B.O.A. that I still owed anything in an effort to collect or settle this debt that XXXX. confirmed that they did. Attempts to reach out to XXXX. to fix this issue have failed, as they are now stating that they did not resolve the debt, and will not take responsibility for their failure to settle. On top of that, I had to pay taxes from a XXXX that has " debt cancellation '' printed on it for the amount that XXXX  confirmed they settled for. If I owed them, instead of them issuing a debt forgiveness, how is it that I have to pay taxes on it as if it were income? XXXX  from B.O.A. and XXXX. could not provide any answer to that. 

Moreover, they failed to satisfy yet another account during my program, as XXXX XXXX XXXX XXXX served me a wage garnishment order, in which my debt with them was resolved. XXXX   again, did not fulfill their agreement to me or my program for debt consolidation and resolution. I am now stuck with past due account of approximately {$5000.00}, in which XXXX. nor B.O.A. has notified me of in the past 4 years. XXXX XXXX XXXX did not fulfill their obligation me as a client and has left me in a worse financial situation from when I started.

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 2018-03-14 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Dear Sir or Madam, I am writing to dispute the following information in my file : This item XXXX, which is classified as an Individual Chapter XXXX Bankruptcy with an owed amount of {$0.00}, and listed in Dismissed/Closed status per Equifax, This item XXXX, U.S. Bankruptcy Court, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed per XXXX, and This item XXXX, U.S. Bankruptcy Court, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed, is inaccurate because I would not file for bankruptcy if I had absolutely no debts included in this bankruptcy. This means that I am liable for nothing. In addition, the dates that this item was supposedly filed are inaccurate. This item is listed on my XXXX report as being filed on XX/XX/XXXX, on my Equifax report as being filed on XX/XX/XXXX and on my XXXX  report as being filed onXX/XX/XXXX. I am requesting that the item be removed because it is negatively impacting my credit score and giving false information to potential lenders. After sending a letter to all three bureaus, I was not given an answer to the investigation, instead I was sent a letter to verify my current address, which Ive already done, and a letter stating that the item has previously been disputed and they dont want to investigate it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient is reporting to XXXX that I still owe their company {$5000.00} on a student loan that was consolidated and transferred to XXXX XXXX. I have tried to fix this error with Navient numerious of times. This is a violation of the FCRA federal law. The balance owed should be reporting as a zero balance.

Company response to consumer: Closed with non-monetary relief