vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
XXXX : Ocwen Loan Servicing LLC Loan # XXXX Property Location : XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX I currently own an apartment located at XXXX XXXX Ave., # XXXX XXXX XXXX, NY XXXX [ XXXX XXXX, New York ]. 
My mortgage is held by Ocwen Loan Servicing LLC. Ocwen is located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
My current mortgage payment is {$690.00} [ Loan # XXXX ].  The outstanding amount owed on that mortgage is currently around {$33000.00}. 
The Fair Market Value of my apartment is around {$310000.00}. 
On XX/XX/XXXX, I received an Annual Escrow Account Disclosure Statement that reflected RIDICULOUS new charges to my account. 
The statement reflected that I owed County Tax on my apartment for {$83000.00} for tax year XXXX and {$110000.00} for tax year. 
Therefore, according to Ocwen, starting XXXX XXXX, my monthly mortgage payment would now become {$11000.00}. 
Upon receiving the Annual Escrow Account Disclosure Statement, I immediately contacted Ocwen to ; 1 ) Inform Ocwen that there was NO such thing as a County Tax in XXXX XXXX, NY. 
2 ) Ask them where they had gotten the information that was reflected on the Annual Escrow Account Disclosure Statement.
3 ) Provide me with the information that they had used to include that false charge on my Annual Escrow Account Disclosure Statement. 
4 ) Ask them why they did not question how there could be a County Tax of close to {$190000.00} on an apartment that had a Fair Market Value of {$300000.00}. 
5 ) Ask them why they did not contact me about the supposed County Tax before it was included in my Annual Escrow Account. 

During the last month, I have spent at least six ( 6 ) hours on the phone with at least five ( 5 ) different Ocwen Representatives who EACH promised to provide me with the information. 
I was told by each Ocwen Representative that the information would have to be researched and they would get back with me within the week with answers to my questions. 
Ocwen also scheduled two ( 2 ) different phone appointments with me to discuss their findings. 
Although I made myself available for both of the phone appointments, NO ONE EVER CALLED. 
NO information about who instigated the fraudulent County Tax has ever been provided to me.
Needless to say, I am unable to make a monthly mortgage payment of {$11000.00}.
I also should not have to pay for a County Tax that does NOT exist. 
I need your immediate help with this situation. If you have any questions you can contact me at either number listed below. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( Land Line ) ( 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 2017-11-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA

Complaint narrative:
I received an email today XX/XX/XXXX from a XXXX XXXX saying I was due in court on Friday to pay a bill or else the judge would decide for me. It said to fill in my zip code in a box on the email and it would give me the court to go to. It gave me a list of Federal courts. I emailed him back and asked him what it was about. XXXX, this payday loan place, said I owed them XXXX dollars. 

I have never had a payday loan. I wrote back by email and said he should check his accounts. I said I would contact an attorney. Well, it is election day tomorrow and my attorney is out campaigning. 

This is an awful thing to do to a XXXX year old lady. I have never even gotten a notice about the loan. How can anyone take anyone to court or threaten taking anyone to court without telling them well enough in advance? I thought you had to have a supoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Money Services, Inc., d/b/a Texoma Finance
State: OK

Complaint narrative:
I paid my account in full before the court date hearing on XXXX XXXX th 2017 they charged me XXXX for the processing and other fees intop of my payoff when I told the company that I paid it off before court they said that I still had to pay it the company cursed at me and called me a snobby snot after asking for the supervisors number he would not let me speak and accused me of cursing when I did not I am very upset how they have treated me I need something done and help in what I need to do this loan company is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have written to Discover on a minimum of three occasions requesting proof that this account is mine. I have no recollection of opening an account with them and certainly did not fail to pay any amounts owed. 

They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. 

This charge off is harming my credit profile and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My wife and I have had a XXXX XXXX / XXXX XXXX since @ XX/XX/XXXX. We were told that we had a rewards program, which is why we chose this card, that would build earnings toward the purchase of a new XXXX vehicle. Every month, on our statement, the earning total is printed. We have been watching this grow since @ XX/XX/XXXX. On our last XXXX XXXX XXXX XXXX XXXX Account statement we had {$10000.00} in earnings. We are senior citizens on a fixed income and were looking forward to buying our LAST new car. We went to our local XXXX dealer with the expectation of cashing in our earnings from the last 15 years. Even though our earnings were printed on our statements for the last 15 years, which we have, the dealer and XXXX XXXX / XXXX told us we can get only {$1000.00}. ( XXXX XXXX ) toward a new car. This is wrong. This is fraud. They tell us on every months statement that we have $ XXXX, but in fact, they tell us we can use only XXXX. This is WRONG! Please help us. In addition, please change the rules so that people like us will not be taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
This is another complaint concerning Freedom Mortgage Co. XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX. The Customer Service representative I called today, XXXX Employee # XXXX, told me he could not provide me with anyone with authority such as a supervisor so that I may seek assistance from regarding the discrepancy in my Mortgage Statements for the monthXX/XX/XXXX- XX/XX/XXXX If a customer can not get assistance from a mortgage servicing company, or obtain the full name and contact # for someone in a position of authority to answer questions relating to her mortgage loan, how can this be legal? Can a private mortgage company deny its customers of the name of employees, supervisors, higher-ups who will be able to answer questions and be accountable for the mortgage accounts of their customers. Despite numerous requests to speak to and obtain the name and employee ID of any supervisor, XXXX Employee ID XXXX, said he is not allowed to disclose that information. 

I have a 30 yr fixed rate mortgage in which I pay {$1400.00} a month to Freedom Mortgage. My loan number ends in XXXX. I am not in default, have not been late on a single payment. 

On XX/XX/XXXX, I mailed, with a letter of instruction, a {$1000.00} extra payment to curtail my principal. Freedom Mortgage, on its own, set this money aside in an Unapplied Funds account for 2 weeks. I called on XX/XX/XXXX and spoke to a " XXXX '' concerning this extra mortgage curtail funds but did not get a satisfactory response. On XX/XX/XXXX, I called again and spoke with " XXXX '' who told me that my funds will post the correct account on XX/XX/XXXX. This has been an ongoing problem with Freedom Mortgage. 

Today, XX/XX/XXXX I called to request a free-of-charge Mortgage payment history from Freedom. I am told by XXXX that there is a discrepancy in the balance after my {$1000.00} curtailment. This has been an ongoing issue with Freedom not being very transparent about its employees and who is in charge and accountable for their clients. 

I would like to get intervention from CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: GA

Complaint narrative:
On XX/XX/XXXX an inquiry was made to my credit by CBNA and another to XXXX XXXX in DE on XX/XX/XXXX that I did not request or authorize. My assumption is that these were fraudulent attempts by some third party to open an account in my name since there were multiple inquiries to various companies on or around that date. No one at the card companies seems to be able to help me and keep forwarding me around to various departments. This was my second attempt to try and have this removed from my credit, Luckily no new accounts appear to have been opened but the number of hard inquiries is hurting my credit.

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 2017-11-06 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: MS

Complaint narrative:
The XXXX XXXX XXXXt account ending in XXXX was on my credit report for years and the credit bureau 's ( Equifax , XXXX , XXXX ) never validated the debts but allow them to report it to them an they put it on my report this is a violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. This has hurt my ability to obtain credit. This is not the only account that is not validated but they say they are working on them but should have been verified before it was put on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The XXXX/ XXXX XXXX account ending in XXXX was on my credit report for years and the credit bureau 's ( XXXX XXXX XXXX , Experian ) never  validated the debts but allow them to report it to them an they put it on my report this is a violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. This has hurt my ability to obtain credit. This is not the only account that is not validated but they say they are working on them but should have been verified before it was put on my report.

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 2017-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX I used my rights to ask Transunion to verify some accounts on my report, with Proof, because I had issues with verification of the accounts when I checked. I also asked on that date to remove any non- account holding inquiries over 30 days. I heard nothing from them about the matter so I sent a second letter requesting the same information, on XXXX XXXX, XXXX. I got the same results with a system generated letter about the process of inquiries being on my report and no proof of them verifying the information.On this day XXXX/XXXX/XXXX I 'm sending a final warning and it 's about them not providing information to report on my report legally. They did not provide me proof of verification.

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 2017-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Grimley Financial Corporation
State: PA

Complaint narrative:
I spoke to a collector from Grimley Financial on XXXX/XXXX/XXXX on or about XXXX. This collector never gave the mini-Miranda. I advised this collector that " I paid this account before it was placed with grimley, I had a receipt from XXXX XXXX ''. This lady put me on hold to apparently check with the clients system. She came back and advised that this was not and that I was wrong. I told her, " ok then, I want the validation in writing that this my account and I want the intake documents showing my information. I want this removed from my credit report in meantime as so you are not violating my FCRA rights and Grimley is not to contact me until such documents are provided, as per my FDCPA rights. " ... This collector then goes on to scream/berate me about how " that time has passed and that this is my balance after XXXX XXXX XXXX XXXX payed theirs '' and that I am being rude. She then slams the phone and hung up on me! When these are my rights under the FDCPA and the FCRA. I tried to call back and speak with someone who was this collectors superior ; however, my calls mysteriously could never connect to any live individual, this again concerns me. How can I not call back and report this collector for their extremely aggressive tactics and language? I called over eight times in reply but never would connect. I feel this company was beyond their rights to try and deny mine. More like " XXXX '' Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ballybunion Enterprises, Inc
State: FL

Complaint narrative:
I was contacted by a company XXXXXXXX XXXX XXXXXXXX on XXXX XXXX 2017.  They only call by a blocked number. They called my husband discussing a debt that he had no idea about. The debt is not his. They threatened him that if a payment was not made they will garnish his wages and take his tax returns. When I was able to finally talk to someone at the company they were discussing a debt owed to a company by the name of Military Credit Servies it XXXX XXXX XXXX. The debt is not listed on my credit report, this debt is also 4 years old. The gave me an amount that was higher than I though and demanded if I dont pay the full amount or a down payment that they will garnish my wages and take my taxes. I couldnt afford that down payment so we made an arrangement until the down payment was paid fully and then monthly payments after that until the debt was paid off. Something did not seems right as if it was sketchy so I attempted to contact the original company I originally got the loan from but they could not provide me any information. They said it was sold so they could not provide any information. I contacted XXXXXXXX XXXX XXXXXXXX again trying to get the details of the original loan and what was the amount owed. I wanted to see previous payments and when the payments stopped etc. The guy was pretty demanding and hostile so told me if I keep calling his office to get information he will take off the deal and just garnish my wages and my husbands. He could not provide me with any original details of the debt. He told me to contact the original company. The original company told me to contact XXXX XXXX XXXX. Neither one of them are able to give me anything. The attempted to charge my account for the down payment but I never signed and return the agreement to them until I knew for sure what was going on. They attempted to contact me again saying that they will file a suit against me to garnish my and my husbands wages. I am still not able get any information about this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been in contact with XXXX XXXX through three letters explaining my conundrum with regards to XXXX/PAYPAL account number XXXX. 

Way back XXXX 2012, while I was still a XXXX in a XXXX XXXX, I donated {$5.00} as a goodwill to a family in need using my Paypal Account. I have a debit card linked to my Paypal Account back then and did not realize that there is an opened XXXX/PAYPAL account and was linked to my Paypal Account. Confident that this {$5.00} was charged to my debit card, I did not realize that the actual {$5.00} was charged to the XXXX/PAYPAL smart connect card. As a result, I missed the payment. This {$5.00} was then transferred to XXXX XXXX collection department that had accumulated {$87.00} including the {$5.00} principal amount which I have already paid off. But before that, the account was then charged off. 

I was never notified about this {$5.00} charge. Ive never received any bills or statement by Synchrony back. I did not even notice that Synchrony credit card has been opened and I never receive any card nor activated one. If only I have been notified about {$5.00} would have been paid in a heartbeat. Even though I strongly believe that I am not liable for the accumulated fees I still paid off the amount charged to me. 

I have asked XXXX XXXX many times to consider my situation. I could never believe that a simple gesture of kindness would cost me dearly. I could not believe that I could suffer like this for wanting to help someone in need. 

I am requesting yet again for XXXX XXXX to please consider all facts and for this account to be removed from my credit report. I have been denied several loan applications due this issue. I never intended to miss any payment especially when I have the ability to pay {$5.00}, if only I was notified. Attached to this letter are copies of the three letters I previously sent.

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 2017-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
The bank I trusted with my money : Santander. On or around XXXX XXXX XXXX I had noticed strange unauthorized activity withdrawing money from my checking account. My card was charged {$92.00} plus an international charge of {$3.00} on XXXX/XXXX/XXXX. Another charge in the same amount was posted to my account only 14 days later. On XXXX/XXXX/XXXX my account was charged again in the amount of {$92.00} with an international charge of {$3.00}. I spoke with a branch employee reguarding the issue and we then set up a complaint and attempt to retrieve money back. My card was replaced at that time. Within about three business days one of the charges had been refunded. The amount refunded was {$92.00} plus the international charge of {$3.00} was refunded to my account on XXXX/XXXX/XXXX. I was still waiting for the remainder of the refund. The amount I was waiting on was {$92.00} plus {$3.00} international charge. On XXXX XXXX XXXX my account was over refunded two refunds in the amount of XXXX and an international charge of {$5.00}. My expected refund was only in the amount of {$96.00} total. The over payment was not my fault and was in the amount of {$96.00} plus {$5.00}. On XXXX XXXX XXXX I had noticed the overpayment was taken out of my account in the amount of {$92.00} and {$3.00} the international charge. Then on XXXX XXXX my card and account was debuted yet another {$92.00} with another {$3.00} international charge. It also caused my account to drop to a negative account balance. I have sat down with several bank representatives who have seen the wrongful amounts withdrawn from my account and they have told me they could not help me. Over the course of the rest of XXXX I refused to put money in my own account for fear they would allow wrongful withdrawals again. I asked them to close out the account and it had since aquired addition overdraft fees each being {$35.00}. And then once more a sustained overdraft fee of {$35.00}. A total of {$170.00} in overdraft fees. Im hoping that they can adjust the amount that I owe so I can once again open a bank account as I have not been able to because it has been reported against me. This situation is not fair to me and my time. Its been very stressful for me and as a mother of XXXX children I need a bank account to keep my money safe. I do refuse to pay money that I do not owe in the process of this reselution.

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