vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-27 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
XX/XX/XXXX we had a unauthorized charge to our bank account with wellsfargo. They opened a claim and gave us our money back they called us and received more information from us and said they didnt need anything else here we are on XX/XX/2018 on XX/XX/XXXX two months later they took the money back of XXXX $ sending my account into over draft. When I called my bank asking what this was for they said the claim that they had opened back in XX/XX/XXXX and they never where able to receive information they needed from us. They said they sent us paperwork I have lived at the same address for 21 years I didnt receive anything. I sent in a email from the company who said they would not be taking any more payments from us until our furniture was fixed. And that they needed to order parts and we would make one more payment AFTER it was fixed and we Own the furniture since it kept breaking. We sent the paperwork and emails we had from the company who said they wouldnt take money and did and we also sent in paperwork stating we owned the furniture now from the company Wells Fargo said thats all they needed and it would take 48 hours here we are two weeks later and I keep calling wellsfargo and they dont even have a claim open. I want someone to do something about this they also opened a fraudulent account in my name without my permission a year ago but that is being fixed with someone else.

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 2018-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I was a participant in the class settlement with Ocwen for misapplication of payments. I had some account adjustments done effective XX/XX/2018 to reduce principal due to the company 's misapplication of prior payments. Starting in XX/XX/XXXX, I have noticed a lot of strange adjustments on my account. There are several negative entries in the exact same amount of my normal ( bi-weekly ) mortgage payment. I have reviewed the payment schedule, and spoke to Customer Service, but all they told me was that this was " correcting a misapplication of payments ''. I asked if it was due to the class action settlement, and was told that it was not. Clearly this person was just reading off of a script because he told me the " procedure '' directed him to refer me to a website and/or phone number about the class action settlement. I have also received a past due notice, despite NEVER missing a payment, and was told by Customer Service this was an error. I am not confident in Ocwen 's ability to apply my money in a correct and honest manner. I want to have a complete review of my account because I do not trust Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
I am just lost foe words now I do not know whom to talk to or reach out to, this has been going own since XX/XX/2015, I was originally approved for a Deed in lieu moved out home moved in with my mother in law, had inspectors com to home several times, kept getting the run around stating we need this we need that nothing, call in get transfer to everyone but whom is over the account, ok now we found someone to buy the home got an agent to help us we are still getting the run around, stating we need this we need that, my agent sent over everthing an I even sent the paperwork on my behalf as well. Im just so tired of going back an forth with this Company Select Portfolio Servicing, I dont know whats going own over there but something needs to be done because for number one they have are not organized no one no nothing an im tired. I expressed to them that I am not able to afford this home due to my income & hours dropping. Can someone please help or direct me where I need to go to get this situation done an over with. I am mentally drained

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2018 I requested an increase on my Walmart card. My current credit limit is {$210.00} I've asked for an increase as low as {$100.00} as high as {$500.00}. I was denied the increase stating that my credit it's not good enough. They advised me 5hat they get credit info from XXXX. On that date I checked my credit score with XXXX and was told my score. My credit score on XX/XX/2018 was XXXX. Walmart is telling me it is XXXX.

I asked them to please reconsider and they told me they will open up an investigation to look into it to call back and 30 days. I called Walmart credit card services on XX/XX/XXXX to find out what happened I was told that the denial still stands. They can not tell me what the reason is but will send out a general letter stating it could be delinquencies on my credit, credit score too low or something in that general description. I asked if they could please give me in detail what is keeping me from getting the increase they refused to. I don't know if they're looking at someone else 's credit score and credit history or it's just outright discrimination. I owe nobody I make {$60000.00} a year and I have no delinquencies my credit score has gone down to XXXX because of interests of re lfinancing my home. I would like to know what is wrong with my credit to keep me from getting an increase. Thank you so much for your time.

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 2018-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a total title loan with XXXX XXXX that was made fraudulently and despite presented evidence they won't take it off 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 explanation
Consumer complaint received 2018-12-27 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: NY

Complaint narrative:
I have a total title loan with XXXX XXXX that was made fraudulently and despite presented evidence they won't take it off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a total title loan with XXXX XXXX that was made fraudulently and despite presented evidence they won't take it off 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 explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I could have checked almost every option ... .continued calls, impersonating a county worker, told them to stop and they havent. I have received MULTIPLE calls from these people claiming to be a worker for the county trying to serve me papers for court appearance. They have called me, my husband, my daughter and my mother and mother in law claiming to need to serve me papers for a court appearance and threatening to physically go to my employer to try to serve me there. I have spoken to the originating co several times over the last year telling them not to contact me again. This co has a 3rd party call for them stating that there is an upcoming court appearance that I am required to attend yet when I call the number that they give me, it is a collector who refuses to provide the name of the company that they work for. I have told them no less than 10 times not to contact me yet they continue to reach out not only to me but to my family members. The debt was to XXXX, it is almost 10 years old, for less than {$500.00} and it was charged off by XXXX several years ago. The initial phone calls are coming from XXXX ... when I call back, it wont connect. The message says to call XXXX and they refuse to tell me who they are other than that they are acting on behalf of XXXX. Once again, today, I told them not to contact me, that I have told them not to contact me already several times and that I have already filed a complaint against them and I was told that " it doesnt matter ''. They are rude, dimissive and dont really care that they are violating the law by continuing to contact me. They have called me no less than 15 times over the past month PLUS called family members who they worried thinking that I was getting sued. AND, the message that they leave, although it says that its for me only, is left in its entirety on my family voice mails. I am tired of the harassment and their tactics and would really appreciate some help from you as this is the FOURTH time Ive submitted a complaint.

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 2018-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: AL

Complaint narrative:
On XX/XX/2018. IC Systems was added as a collections account my credit report. I have not received any written notice informing me of such debt or allotting my 30 day time to dispute the accuracy and validity of said debt.

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 2018-12-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
US Bank Home Equity Line Of Credit was taken out in XX/XX/XXXX, made interest only payments, started getting behind because of business failure due to The Great Recession. In a XX/XX/XXXX, was served papers from US Bank by a Sheriff, and was forced into Bankruptcy. While in bankruptcy, banks are not allowed to send statements, but as soon as the discharge was done, US Bank was the first to start sending statements again, so I started making payments again, then the loan ballooned and payment triples and I fell behind. I have been paying as much as I can as I am XXXX since XX/XX/XXXX and am unable to work, was unemployed at the time they gave me the loan, hence I do not have an income nor did I have an income back then but I got the loan anyway. They even stooped as low as taking overdraft and late fees out out of my sons account charging as much as {$400.00} dollars within hours, {$39.00} x10 in less than a few hours until I could get them to stop! All of a sudden US Bank stops sending my statements in XX/XX/XXXX because they say that I did not reaffirm after the bankruptcy and that I had fallen through the cracks as I should not have been sending statements! Finally got to talk to someone about this and was told I have 7 days! I have been paying on this loan for 14 years and have less than {$2000.00} that has gone onto the principal, now they are forcing foreclosure on me again which means I have to hire an Attorney or borrow to pay them which would mean less payment to US Bank. These are predatory loans, the terms for people are overwhelming, corrupt and unfair. Their ability to be able to put fear of losing our houses is unconscionable! I have gone to our local US Bank office to seek assistance and was told " it's out of our hands, it's been sent to an Attorney ''. This ridiculous! US Bank is not the first in line for my house and my reputation and credit is ruined! I have consulted with credit counselors with no help available. US Bank states that they have the right to receive or reject payments without waiving any of our herein or otherwise, including the right to proceed with foreclosure!

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 2018-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
On XX/XX/2018, our house was flooded. We sustained minor flood damage. We carry flood insurance, and our insurance covered muck out and debris removal. All of these tasks we completed ourselves On XX/XX/2018, we received our insurance check. As part of the normal process, PHH Mortgage Services was a party to the check. After going through our normal contact at PHH Mortgage, we finally were directed to the Insurance Claims department. On XX/XX/2018, we submitted electronically our Insurance Worksheet with all of the claim information. We were told that we had to request a waiver for the contractor requirement. We did so, and later that week, our request was rejected. At that time, PHH Mortgage requested an inspector to come out. That request was made on XX/XX/2018.

On XX/XX/2018, we submitted photos documenting that all the cleanup work that was being covered by the Insurance Worksheet was completed. On XX/XX/2018, an inspector representing PHH Mortgage came to our house and to the best of our knowledge received all the information necessary to complete the inspection report. PHH Mortgage stated that those results would be available within 48 hours.

After several phone conversation, on XX/XX/2018, representatives for PHH Mortgage stated that they have no information concerning the inspection results.

We are trying to get our insurance check endorsed from PHH Mortgage, but they are not allowing that to happen.

All we are requesting is that PHH Mortgage endorses our insurance claim check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: NJ

Complaint narrative:
I have had serious issues with my student loans ever since I graduated with an XXXX from XXXX College in XXXX, NY in XXXX. In XXXX, the XXXX  student loan and XXXX. loans ( from XXXX Univ. ) were consolidated with XXXX XXXX for a total amount of {$45000.00} and I was put on a loan with interest-only payments for 60 months and then payments would be applied to principal. As soon, I made 50 payments, the loan was transferred to another servicer and the public loan was reconsolidated by another lender/servicer, which I started again to make interest only payments on a new loan. From XX/XX/XXXX to XX/XX/XXXX, I have been making payments towards the public student loan with several student lenders ( Depart. of Education, XXXX  XXXX, XXXX, XXXX, etc. ) and no monies were applied to principal. I had no choice but to switch to a private loan since nothing could be done by XXXX XXXX or the federal government. 

In XX/XX/XXXX, XXXX XXXX, as the private lender, paid off the public student loans and I began a new variable rate loan at prime rate with an amount totaling {$43000.00}. From XX/XX/XXXX to XX/XX/XXXX, I have been making payments to the private loan monthly at {$360.00} a month. However, this student loan started in XX/XX/XXXX and should have been close to being paid off at this point in XX/XX/XXXX. 

I need some assistance with reducing the principal balance or finding a way to get monetary relief. I appreciate any assistance or options that you may provide. I am available if you need to contact me at cell # ( XXXX ) XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I have previously filed complaints and attempted to resolve this with XXXX XXXX XXXX.

The account has now been sent to a MRS BPO, L.L.C. collection agency for collections.

I am including a letter for review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
received a call from XXXX XXXX XXXX. He claimed to be from XXXX XXXX. And was offering a 2 for 1 credit repair package. My boyfriend talked to him first and gave him bank card info and his social sercurity number. When he put me on the phone I was instantly alarmed. Then I found out my boyfriend was naive enough to disclose that info I started asking man on phone how I can research him and make sure this is legitimate. He started stumbling over his words and gave me his number and extension. Name XXXX XXXX. I told him I can't confirm him through him. I need to be able to contact XXXX XXXX  and do that. He instisted on me just calling that number. Then asked to speak back to my boyfriend because he had his info and credit report pulled so he could close the deal with him. I said most definitely not. I could hear people in background that sounded like they were playing video games. I told that guy I was to check out his credutials and if I found anything weird at all I was going to report him. He hung up. Thats a great scam he has going on. He gets ssn, bank info, name and dob. All key things you need to steal from someone. I am so angry right now. Told my boyfriend to never give that info so freely!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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:
Navient is a horrible company. Do not use them. The customer service representatives have hung up on me. Also the employees have been unable to give me complete, accurate answers on important information about how much my payments are or will be. When I ask questions they sometimes just refer me to the XXXX XXXX XXXX. And they send emails to my Navient inbox that do not give any explanations. This is serious! If you want me to pay you {$35000.00}, You should give me answers. I am currently in contact with the XXXX XXXX XXXX to have this matter resolved. If the XXXX XXXX XXXX can not or will not resolve this matter I will get a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I requested verification of the following account pursuant to CRA Act, 15 U.S.C 1681g XXXX XXXX XXXX Acct # XXXX This Account was opened fraudulently and I filed a police report and XXXXXXXX XXXX XXXX Attorney Investigated and found that it was fraud and sent me a letter stating that this account would be removed permanently from my credit record.

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 2018-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX about a notice to collect a debt from Capital One. I final heard back from someone in the office after several days. I explained that my identity had been stolen in XX/XX/XXXXand I could supply their office with copies of the police report and other items needed as the account in question was also not something that I had established. I sent the documents, as mentioned, via email and on XX/XX/XXXX, I received noticed from XXXX XXXX XXXX stating that Capital One could not substantiate my claim and they would move forward with garnishing my wages.

I have since communicated with Capital One in the same format as I have with all businesses where accounts were fraudulently established. I have provided the proper documentation, as well. However, Capital One is adamant that I pay the debt created by some mystery person who has used by social security number, date of birth, address, phone number and more to establish services with Capital One, apartment communities, hospitals, and even utility companies. In addition, I was dealing with a bankruptcy at the time that the accounts were established.

Any help to rectify this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I am receiving harrassing and abusive phone calls from a debt collector that is currently being paid through a law firm. They are also harassing a family member of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Quicken loans increases our payment each and every year even if there is not an escrow shortage. Even when they give a refund of escrow overage - they will increase the payment. I called last year and paid the shortage, plus an additional amount and they finally relented and left my payment the same. This year, I am getting a refund for the overage about {$700.00} and they are raising my payment by ~ {$30.00} and REFUSE to leave it the same. This mortgage company rates among the worst!

Company response to consumer: Closed with explanation