vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I noticed recently that the principal payments are not getting properly distributed to my mortgage balance. I closed on my condo on XX/XX/XXXX. XXXX XXXX had this mortgage before they sold it to Ocwen Financial in XX/XX/XXXX. On XX/XX/XXXX I noticed the mortgage balance is incorrect and called them. I was on the phone over 2 hours and spoke with a manager specialist regarding this case. The current balance on my mortgage that Ocwen has is {$150000.00}. The original balance Ocwen has is {$190000.00}. I asked for a amortization report for the history of the loan and they said they can't provide this b/c they don't provide on fixed loans. They don't have any of XXXX XXXX records either when loan was transferred. The original loan amount actual real numbers are {$170000.00}, which I have proof of all these numbers and original docs. I refinanced pulling $ XXXX out, which changed the balance to {$180000.00}. The balance was never {$190000.00}. The records online only go back 3 years. I saw that {$430.00} per month is going to principal. When Ocwen acquired the loan, they said the balance was {$190000.00}, which is impossible considering I paid my mortgage for 6 years and no principal was applied. They will not supply records. My mortgage balance should be {$120000.00}. Ocwen will not show me the amortization, or any documents that were transferred to them when they acquired the loan. This is in clear violation and the correct balance needs to be updated. It's not possible to pay a mortgage for 6 years and have no amount that goes to principal. This has always been a 30 year fixed mortgage. Ocwen is under investigation, and has been for some time for providing fake financial records, among many other things. This is a very stressful matter, and hope to get solved soon. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
We are the XXXX XXXX for a XXXX XXXX. On Tuesday, XX/XX/XXXX we called to close a CD account with Synchrony Bank and have the balance mailed to us. After not receiving the check I followed up with them on Monday, XX/XX/XXXX and they indicated they had not received the first request but they would mail the check minus a {$1500.00} penalty this week and we should have it in 7 to  10 days. The person I spoke with said they did not have the authority to waive the fee but would have a manager call me back. I never received a call back. I called again on XX/XX/XXXX and spoke to two people. The final preson being a XXXX who was a supervisor. She indicated that when I called on Monday, XX/XX/XXXX there was no notes made to escalate the call and that they needed to investigate the original call of XX/XX/XXXX before they could make a determination. She said this would take 48 hours and I would hear back next week. After not hearing back again I called Synchrony for the fourth time on XX/XX/XXXX and spoke with a representative of Synchrony. He indicated that the review of the phone logs that was promised to be completed in 48 hours was not completed. He indicated that he could tell from reviewing our account that it had been mishandled from the beginning. He also informed me the check had until XX/XX/XXXX to arrive at our office. Also, that the penalty was {$1800.00} they deducted not the {$1500.00} originally quoted. Also, he stated that they could have charged us {$2100.00} as if it was a favor to us. I let him know that the contract shows a penalty of 90 days interest, to which he said he could register a concern if I wanted, which I said I did. I asked to speak to a supervisor. He put me on hold twice and came back and said no one was available and if I wanted he would put in a request for a call back and I would hear back within 48 hours. He also indicated that he did not think his supervisors would change the position on the penalty. I informed him we would be filing a complaint with the Consumer Protection Board and he indicated we should if we felt it was necessary and that he was pretty sure they would not change their position on the penalty even though they had not followed their reported internal procedures. As of this time we have not received any of the Association 's funds owed totaling {$200000.00} and can not get a response on the fees that have been charged.

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 2018-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion is reporting an inaccurate address and name for me. 
I never lived at XXXX XXXX XXXX XXXX VA, and my name is NOT XXXX XXXX XXXX. 
I have disputed this and it is still on my credit. 

XXXX is also reporting an invalid name on my credit report. My name Is NOT XXXX XXXX XXXX I have disputed this already and they are still on there. It is affecting my financing and needs to be fixed asap

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 2018-04-20 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: FL

Complaint narrative:
XXXX and Experian are refusing to move an obsolete account. I have disputed the account from XXXX XXXX account number XXXX, open XX/XX/2005. This account is reporting incorrect information including the account has been closed over several years and both bureaus are refusing to remove. When I contacted XXXX XXXX they inform me to dispute with the credit bureaus and when I dispute with TransUnion and XXXX they indicate XXXX XXXX verified. Well since I could not get a resolution, I requested that both organizations provide me with a Method of Verification, which includes the party who verified, address and phone number, so that I may obtain assistance with this removal in which neither bureau would provide me with this information, I do not understand why they did not. Again, I am requesting the removal of this obsolete account.

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 2018-04-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX is reporting an inaccurate address and name for me. 
I never lived at XXXX XXXX XXXX XXXX VA, and my name is NOT XXXX XXXX XXXX. 
I have disputed this and it is still on my credit. 

Experian is also reporting an invalid name on my credit report. My name Is NOT XXXX XXXX XXXX I have disputed this already and they are still on there. It is affecting my financing and needs to be fixed asap

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 2018-04-20 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: KY

Complaint narrative:
My issue is a credit reporting from the student loan company XXXX. They were not distributing my payments properly within their system to avoid me having a late payment on a group. I would pay more than the allotted amounts each month to them on their website and on automatic withdraw from my bank account over the past 4+years. This in turn caused my credit score to drop by 100 points with XXXX, TransUnion, and XXXX. This is unfair and unethical to do to a client who is continually paying back on a loan. I work a lot and am very busy trying to make this money to always pay them back so I had no idea I was even reported or late until I had ran my credit report one day. All of my payments are current and up to date. XXXX should have been properly handling my payments to avoid 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 2018-04-20 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: KY

Complaint narrative:
My issue is a credit reporting from the student loan company XXXX. They were not distributing my payments properly within their system to avoid me having a late payment on a group. I would pay more than the allotted amounts each month to them on their website and on automatic withdraw from my bank account over the past 4+years. This in turn caused my credit score to drop by XXXX points with equifax, XXXX, and XXXX. This is unfair and unethical to do to a client who is continually paying back on a loan. I work a lot and am very busy trying to make this money to always pay them back so I had no idea I was even reported or late until I had ran my credit report one day. All of my payments are current and up to date. XXXX should have been properly handling my payments to avoid this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On XX/XX/XXXX a credit card account with PayPal/ Synchrony Bank was fraudulently opened in my name. I learned of this account after receiving a collections notice from XXXX XXXX XXXX ( a collections company ) requesting payment. I do not, nor have I ever, held an account with PayPal or Synchrony Bank doing business for PayPal. I have not, nor have I ever, authorized use of my name or personal information for incurring a debt with PayPal or any other debtor. 

Upon speaking with a XXXX XXXX XXXX representative, I learned this account was created on XX/XX/XXXX and a purchase was made in the amount of {$990.00} in XXXX XXXX, CA which I have no knowledge of. The past due balance after no payments were made is {$1100.00} as advised by XXXX XXXX XXXX. The address on the account is not, nor has it ever been, my residence. I learned of this address from the XXXX XXXX XXXX agent and she advised it is XXXX XXXX XXXX, XXXX, TX which is an address I am not familiar with. I did not, nor have I ever, made a purchase via PayPal in any manor or a purchase in, or shipping from, XXXX XXXX, CA. I have tried numerous times and numerous numbers ( listed below ) to reach PayPal and every representative has said this account is non-existent and will not give me any further information. I have tried in excess of 17 different phone numbers ( or transfers ) for PayPal and have reached no resolve. In addition, PayPal will only give information after providing the email address on file to which I do not have an email on file with PayPal. 

The fraudulent account is showing on all 3 of my credit reports and hindering my ability to get a mortgage. I have spoken with XXXX XXXX XXXX which was the collections agency associated with the account and they determined the account was fraudulently opened and removed their reporting from my credit history ( see attached letter ) ; however, I can not get anyone at PayPal to acknowledge this account even exists or to remove it from my credit report. 

My resolve would be to please remove this account from my credit history and provide a letter in writing either by email or mail stating such intent. I certify the representations made are true, correct, and contain no material omissions of fact. 

PayPal Numbers I have contacted, but not limited to : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
XXXX, Inc.withdrew four bimonthly payments in the amount of {$960.00} each. They were withdrawn on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These payments did not reach my mortgage company the XXXX. When I contacted XXXX , XXXX . I was told that they mailed the payments to XXXX and they will look into where the funds are and get back to me shorthly. This was on XX/XX/XXXX. I have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have been before the CFPB before concerning SunTrust bank. After the 2 previous complaints SunTrust refunded fraudulent fees they were charging to my savings account and discontinued the practice of sending me unrequested monthly statements and then charging me for them. How ever as of XX/XX/XXXX the XX/XX/XXXX SunTrust is again fraudulently charging me a monthly maintenance fee of XXXX. This time its my checking account. I have never seen this charge before. This is the first time they have done this as far as I know. 

My account was originally a " XXXX '' maintenance free checking account. that was in XX/XX/XXXX I believe. The only stipulation was that I allowed XXXX to transfer XXXX dollars a month from my checking to my savings. I agreed and sign up for the maintenance free account. Then XXXX bought out XXXX, and my account remain as I sign up for, a maintenance free account. Finally SunTrust bought XXXX, and inherited my Maintenance free account. I have not requesting any changes to my account type or status. It is a maintenance free account and I want it to remain as such. 

For the most part SunTrust follows the account legal agreement and transfers XXXX on or about the XX/XX/XXXX of each month to my savings account which is part of the agreement. they did so on the XXXX of XX/XX/XXXX. The only issue I have with them currently is that they are now deducting a XXXX maintenance fee and my account is a maintenance " free '' account. 

This is the 1st time they are doing this and I want them to stop it before they do it again.

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 2018-04-20 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I submitted a complaint company replied saying they had never received a disputes however i have paperwork from XXXX XXXX and XXXX showing disputes with no success. Also the company listed five accounts on response but are reporting nine on my credit report. The written dispute i sent to themI received no response on either. Company is a Fraud and needs to remove all negative information its reporting of my credit report Immediately. I have No Contact not Signed Agreement. I also have printed complaints from other online who are victims of this company. There are laws to protect against such businesses and i will seek LegalAction against all parties who fail to hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank solicited me by mail to apply for for a HELOC. I called and filed an application. They called me with an issue and we traded phone calls for a while. They are next to impossible to get a human being on the phone, often 20-30 minute wait times with no ability to leave a message. Eventually we spoke and they told me the issue was that my wife, who had recently experienced a stolen credit card, had a fraud alert on her credit report. We contacted the credit bureau ( XXXX ) and removed the fraud alert and they told us that TD 's issue was nonsense and that a fraud alert doesn't prevent them from drawing credit reports. In fact my wife and I just received the mandated letters telling us the credit scores they received. I have since been unable, despite hours of attempts, to get anyone on the phone to discuss the issue. TD 's voicemail talks about exceptional service, horrendous is a much more appropriate term.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A hard inquiry is noted on my credit report from transunion that is fraudulent. XXXX   XXXX inquiry dated XX/XX/XXXX is fraudulent. They called me onXX/XX/XXXX and we agreed it was a fraudulent application. XXXX  XXXX has told me that they notified all three credit bureaus. It is now XX/XX/XXXX and this inquiry still has not been erased by Transunion

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 2018-04-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My husband and I took out a home equity loan with Wells Fargo Bank in XX/XX/XXXX. The terms of the loan stated that an interest discount would be given for automated payments. Additionally, we were given a notice stating that if we chose to discontinue automated payments, the interest rate of the loan would increase. 
In mid-XXXX of this year, I received a notice from Wells Fargo stating that they had moved my account from the Home Equity to the mortgage portion of their company and that there was a change in interest calculations when automatic payments are scheduled on a weekend or holiday. The letter stated that if payments are scheduled on a weekend or holiday, they would be taken out on the next business day and interest will accrue over the holiday. 
This leaves me in a catch-22 situation. If I do not pay using automatic deduction I will be charged additional interest, and if I use automatic deduction I will be charged interest on the time over the weekend or holiday. 
I have called the company and talked to numerous representatives over the past month. I have offered to have them take out the payment early on weeks that the payment date falls on a weekend or holiday. After explaining that I could only talk to a representative in the evening, they assigned me to a representative who leaves at XXXX and made a habit of calling me at XXXX in the XXXX at home. I was told that a resolution would be reached by XX/XX/XXXX. XX/XX/XXXX came and went. When I called again I was told that I would have a resolution by XX/XX/XXXX. That date came and went. When I was finally able to reach her today, she stated that yes I would be charged additional interest if I chose an alternative payment method, and that the post dating of payments was a courtesy, not in my contract. 
I have a pretty good memory. I remember specifically asking about interest on payment when the loan was originated, so I went back to my original contract. On the page of the loan titled " Installment Loans and Line of Credit Payments '' It specifically states " If the account 's payment due date falls on a weekend or holiday, payment will be credited as of the date due on the next business day. '' Clearly, the representative is lying to me. The bank has changed the terms of my signed loan contract and is attempting to dismiss my complaint against them.

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 2018-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OR

Complaint narrative:
My loan servicer was XXXX XXXX XXXX ( PHEAA ) and I refinanced my loans in XXXX/XX/XX/XXXX to another institution. I received Paid in Full notices from PHEAA to all 8 of my individual loans ( 4 subsidized, 4 unsubsidized ) on XX/XX/XXXX. I received an additional confirmation on XX/XX/XXXX that I had a XXXX balance after I received an erroneous billing notice emailed to me. In XX/XX/XXXX I was notified that I had a balance due and they reported to the credit bureaus that the loans were no longer closed. I called PHEAA and they described an audit process where they uncovered that they had miscalculated interest and they corrected it resulting in me now owing a balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/2018 - Account Closed by Company without notification - I spoke to the rep who was not in the US - and by a US based employee that was polite and condescending at the same time and said that they could close my account at any time. She wouldn't explain why the account was closed but said to read the account agreement. 

" Closing Your Account. 
You may close your account at any time by sending a letter to the address shown on your billing statement or calling customer service. We may close your account at any time, for any reason. If your account is closed, you must stop using it. You must still pay the full amount you owe and this Agreement will remain in effect until you do ''

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