vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My mortgage with XXXX XXXX XXXX  was discharged in bankruptcy on XX/XX/XXXX Then, the worthless mortgage was acquired by Ocwen Loan Servicing LLC [ OLS ] on XX/XX/XXXX almost 18 months after the bankruptcy for {$130000.00}. 

Then on XX/XX/XXXX OLS began foreclosure proceedings in XXXX County Court, Florida. I was told that the Foreclosure was for clearing the title and not an attempt to collect the " XXXX '' debt. 

The subject property was sold on the market in XX/XX/XXXX for {$160000.00}. 

On XX/XX/XXXX the property loan balance {$130000.00} was removed from OLS books including late charges of {$1500.00} The removal of the loan balance, called a " cancellation '' of debt by OLS, created a XXXX for XX/XX/XXXXof {$130000.00}, FIVE years after the bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
-- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Friday,XX/XX/XXXX, XXXX XXXX MST Subject : XXXX Order # XXXX Dear XXXX, Thank you for contacting XXXX! I wanted to reach out to you about order # XXXX. Regarding your payment for {$81.00}. This payment has been sent to PayPal and you simply need to call PayPal customer service at XXXX and give them the reference number below and they will help you " claim '' your payment. 
Your payment was sent to your PayPal address XXXX and the reference number for the payment is XXXX. This payment was deposited on XX/XX/XXXX. I hope this information helps you get your payment. Thanks and have a nice day. 
Sincerely, XXXX XXXX Payment Support XXXX XXXX Ive sent FOUR letters to Paypals customer service area and received only form letters in return. Ive also made two fruitless calls to the XXXX. 

The first call was made this past Friday night at XXXX XXXX time. After an online waiting time of 40 minutes, it took your customer service representative another 16 minutes to find the payment in questionand then I was disconnected. 

Yesterday, I again called Paypal customer service number in the XXXX at XXXX XXXX After a 38-minute wait I spoke to XXXX XXXX whoafter many minutes of searchingwas finally able to locate the {$81.00}. Another long wait ensued. FINALLY, XXXX promised me that the money would be in my account by end of day. I told XXXX that the next morning ( Sunday ; today ) would be fine. Well, guess what? The money didnt show up in my account, so your XXXX in the XXXX lied to me. 

And I am now on hold to speak to a real personestimated wait time being 1 hour and 14 minutes. That is as unconscionable as it is ridiculous. 

PLEASE get this {$81.00} credited to my account, WHERE IT BELONGSand we all can go home happy. 

Your prompt response to this request will be SINCERELY appreciated. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAM National Arbitration and Mediation
State: MA

Complaint narrative:
This company called " The XXXX XXXX '' sent me a letter about 1 week and a half ago. 
They said I had a debt that totaled over {$1700.00}. The original creditor was XXXX XXXX XXXX, which I did belong to in XX/XX/XXXX/XX/XX/XXXX. I seem to remember cancelling my XXXX 's membership in XX/XX/XXXX, because I wasn't using it anymore. I thought that was the end of it, until this " XXXX '' sent me the above mentioned letter. 
" XXXX '' went on to say in this letter that they would except a one time payment of {$340.00} or 12 monthly payments of {$38.00}. They went on to say that if I didn't arrange and agree to a payment, then they would file a XXXX form against me with the I.R.S. I'm willing to settle the debt from XXXX 's but I think this " XXXX XXXX '' might be bogus and therefore a scam.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-09 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: AZ

Complaint narrative:
Ok ... I signed up for Experian credit monitoring. I noticed there are 2 addresses that do not belong to me and I don't know the people who live there. I filed a dispute. They denied it. At the same time I noticed 3 negative accounts on my credit report. All 3 accounts are the same account! I filed a dispute. Of course denied. Today XX/XX/XXXX I called Experian and spoke with XXXX with XXXX XXXX. He refused to even assist me with these errors. He told me I needed to find out why they were on my report. THAT IS WHY I CALLED THEM WAS TO FIND OUT WHY THEY HAVE INCORRECT INFO ON MY ACCOUNT! Then He tells me to call XXXX  and XXXX to find out why the info is on my reports .... WHY WOULD I CALL THOSE CREDIT BUREAUS AND THEY DON'T HAVE THE MISTAKES ON MY REPORT????? Nothing he said made sense. I want these errors corrected!!!

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 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
Roundpoint Mortgage is responsible for paying my homeowner 's insurance premium and failed to submit a payment. The billing statement was sent by XXXX XXXX ( my insurance carrier ) on  XX/XX/XXXX with a payment date of XX/XX/XXXX. On Monday XX/XX/XXXX payment had not been received and a XXXX XXXX representative called regarding the payment, and was told that a check for payment would be sent via overnight mail. On XX/XX/XXXX I received a letter from Roundpoint stating that because I failed to renew my insurance, they would be purchasing one on my behalf. The XXXX XXXX agent called again on XX/XX/XXXX to ask about payment and was again told that it would be sent via overnight mail. On XX/XX/XXXX, payment was still not received, and the XXXX XXXX agent again called and was told that they do not ever issue or approve overnight checks and there was no record of the previous requests. The 30 day grace period for the homeowner 's insurance expires on XX/XX/XXXX. I initiated a virtual chat with a representative from Roundpoint on XX/XX/XXXX and was told that they had submitted the request for payment, but that they could not provide me with a confirmation number for the request or confirm it via an email notification. The representative told me that the payment should be made by XX/XX/XXXX. When I requested that it be expedited to arrive by the XX/XX/XXXX grace period cut off, I was told that insurance companies offer an extra 30 day grace period to lender-paid premiums, which is inaccurate. When I asked about a lapse in insurance coverage and how that would be handled, I was simply told that they would not allow that to happen and that I should rest assured that it had been handled. Failure to pay the premium on time, and dismiss additional requests via the insurance carrier and loan originator is extremely unprofessional and careless. Refusing to provide any sort of confirmation code or verification of the payment seems illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Repeated call for a debt that is not mine. I have never had a Wells Fargo account of any kind. Calls continue, mostly hang up calls.

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 2018-04-09 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: IL

Complaint narrative:
I have disputed the accuracy of my bankruptcy account on all 3 credit bureaus. XXXX has removed the public record from my file but XXXX  and Transunion keep saying that the information was verified as correct. The type of record is incorrect. I filed a Chapter XXXX in XX/XX/XXXX and as of XX/XX/XXXX the record should have been removed from my report. They keep reporting it as a chapter XXXX. I have sent letters and documentation showing this and they still haven't removed 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 2018-04-09 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This complaint is against XXXX XXXX XXXX XXXX, I disputed this company online and I wrote to them, stating that I do not understand how I'm liable for a balance of {$270.00} and I don't even know who they are, I never signed a contract with them, the original creditor closed the account, I also informed XXXX XXXX XXXX XXXX that my name isn't spelled in ALL CAPITAL LETTERS ... XXXX XXXX XXXX, my name is XXXX XXXX XXXX, the same name on my drivers license, however they wrote me back and basically stated their investigation concluded their actions were correct, it's not correct, they're using my name fraudulently to say I'm responsible for a debt that I don't owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase took {$300.00} out of my checking account they said because of inactivity. I had no warning so I went to the bank in XXXX XXXX CO, they said the {$15000.00} had been inactive so they took out {$300.00}, I then close my account before they took out more of my money. 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On Tuesday XX/XX/2016, I was notified that my account had been closed due to counterfeit checks. Apparently, while I was at work, my purse and cell phone was stolen with all of my personal information. The perpetrators withdrew money from one of my accounts and at Bank of America, they deposited checks and tried to withdraw money, from my understanding. My account was frozen, so I left work to find out what was going on. After leaving Bank of America ( with not much understanding ) I went to the XXXX Police Department and filed a police report and called XXXX to notify them as well. I have done everything in my power to show them I was at work at this time and XXXX attempted to resolve this as well with no regards from Bank of America. I'm not sure what else to do here, I have resolved this with all of my credit card issuers and XXXX XXXX, where they withdrew money, but BofA has this listed as if I attempted to deposit and withdraw money. I tried to dispute with XXXX & XXXX but they sent me a copy of a statement stating BofA verified the account. I never said it wasn't my account, only that it was hacked. They do not have any documentation of me committing this crime, as I was at work, and have proof of 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 2018-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My savings and checkings accounts were closed because of a check deposited into my account that was addressed to another person for payment of work. 

I think the payor reported the checks as stolen because my accounts were closed and reported to XXXX XXXX for fraud. 

Bank of America didn't allow me access to any of my information or speak to me about the accounts to settle this dispute. 

The payee of the check, that I'm guessing was reported for fraud, used to have a joint account with me, and the bank has allowed the payee/and myself to deposit and withdraw funds, including checks. 

I was a consumer with this bank for a few years, with only minor issues such as low account balance, overdraftfees, debit card holds when I went over my daily spending amount I sent with Bank of America 's online services. 

My online access was also closed. 

My account information has sinced been released once to myself and it was because I brought a release of financial information form that my eligibility worker for the county social services requested be submitted for my assessment for county services. That was XX/XX/XXXX. 

My accounts had been closed XX/XX/XXXX and correspondence with the collection/ consumer reporting agency, XXXX XXXX , didn't begin until XX/XX/XXXX. And last communications with the company was XX/XX/XXXX with no resolution or correction to the information reported by Bank of America, and my personal information continues to be flagged for fraud with any financial institution that I attempt to earn credit, use/apply for services.

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 2018-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
USED XXXX ON MY CHASE ACCT TO SEND MONEY TO MAKE A PURCHASE TO ANOTHER XXXX USER AND DID NOT RECIEVE THE GOODS. CHASE NOR XXXX WILL DO ANYTHING TO HELP GET MY MONEY BACK FOR GOODS NOT RECEIVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
TO WHOM IT MAY CONCERN : I was required to pay a fee to open up a checking account in order for me to become a member. However, my access to the online portal has been blocked for some time now and just recently I received a letter that informed me that PenFed is no longer serving my account. Meanwhile, I have not received a refund for member service charges or any notification on why the checking account was closed. Furthermore, membership to PenFed documents does not show any claim that PenFed reserves the right to close memberships including checking accounts without notification or consent or withhold refunds.

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 2018-04-09 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: IL

Complaint narrative:
I have disputed the accuracy of my bankruptcy account on all 3 credit bureaus. XXXX  has removed the public record from my file but Experian and XXXX keep saying that the information was verified as correct. The type of record is incorrect. I filed a Chapter XXXX in XX/XX/XXXX and as of XX/XX/XXXX the record should have been removed from my report. They keep reporting it as a chapter XXXX. I have sent letters and documentation showing this and they still haven't removed 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 2018-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
I have been contacted by XXXX and XXXX at Tower Loan in XXXX, Missouri regarding my past due bill. I have explained that I have no job and no money at this time. In fact, I can't even make ends meet. There is absolutely nothing that I can do at this time. However, I have continued to receive daily repeated phone calls, which I chose stop accepting because I have repeatedly explained that I could not afford to do anything. Today, XXXX had contacted several of my references in an attempt to get me to call her back. It is an intimidation tactic, which borders on harassment since she knows my phone number is correct. I do apologize for being in this situation, but I have repeatedly told XXXX and XXXX that I have XXXX money and calling my references is not going to achieve anything. 
I refuse to speak with Tower Loan anymore. 
Please tell Tower Loan to stop calling myself and my references.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am contesting a collection account that is recorded on my Experian and XXXX credit reports. I have, in the past, protested this account through Experian and XXXX, with unsatisfactory results. 

The collection account is for XXXX XXXX in the amount of {$700.00}, and has been on my record for more than six years. 

The original debtor, XXXX XXXX XXXX, was at no point in time opened or used by me. Claims otherwise constitute fraud by the creditor or a third party. Therefore, this collection account should be removed from my credit report 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 non-monetary relief
Consumer complaint received 2018-04-09 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: GA

Complaint narrative:
RE : DELETIONS TO CREDIT REPORT Dear XXXX, XXXX, Experian : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Account # Reason for Deletion : XXXX XXXX XXXX Incorrect Original Amount of Debt Incorrect Payment History-Account was paid on XX/XX/XXXX. Not reflecting on any of my three credit reports. 

Incorrect Date Open on the Account- All Three Credit Reports State that that Account was opened in XX/XX/XXXX which is Incorrect Two Different Original Amount 's Owed On The Account. All Three Credit Reports Is Inconsistent With Original Creditor XXXX XXXX 's Account. All Three Credit Reports Stated The Amount Is {$220.00}. But Original Creditor XXXX XXXX States {$210.00}. 

I AM ENCLOSING PROOF FROM ORIGINAL CREDITOR " XXXX XXXX '' According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 
Sincerely,

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 2018-04-09 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: CT

Complaint narrative:
I have been paying my student loans to Navient at {$450.00} a month and when I approached the pay off date for my 2 of my 4 student loans ( XX/XX/XXXX ), Naviet claimed the loans were under reported and therefore I owed additional money. I paid the additional money and they issued new payment coupons. I received a payoff letter for the first 2 loans ( XX/XX/XXXX ). I continued to make payment per the payment coupons they issued and thought I paid off the remains 2 loans with the XX/XX/XXXX payment. However, I received a billing for additional money which they claim was again the result of under reporting for these loans. Even though they amended the payment coupons and issued new ones starting in XX/XX/XXXX.

When I call to question these errors all they do is send me listing of my last 50 payments which show I make my payment but do not explain or justify how I could owe additional money again to pay off these loans. How is it possible that they can not know the payoff amounts or accurately issue payment coupons. They expect me to accept their claim for additional money owed without any justification other than it was calculated in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against the US Department of Education and Nelnet for their failure to remove duplicate items from the credit report. As of date, one student loan dept is being reported as two line items on XXXX XXXX 's credit report -- '' Department of Ed/Nelnet '' and " US Department of Education. '' Despite multiple attempts to request removal, both from XXXX directly and the bureaus, both parties are still reporting the same debt, which is significantly impacting his credit score and interest rate on his vehicle.

Company response to consumer: Closed with explanation