vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
The issue is regarding XXXX  XXXX included in my monthly payments which I am allowed to have cancelled upon meeting certain qualifications. My Policy NoXXXX. 

I have requested termination of XXXX XXXX as we have met all the conditions to make us eligible as of XXXX, XXXX. To date, I have met all the requirements for elimination of XXXX  XXXX and PHH has acted in the worst manner possible to delay the elimination of XXXX  XXXX from my monthly payment. I have called them over two dozen times, sent them written qualification paperwork, and met all their stipulations but have been getting the run-around for 3 months with delays, no return calls or emails, bureaucratic bungling and every other possible means to discourage me from pursuing this right that is due me. 

I am requesting that CFPB sanction PHH for such sleazy practices and contact them to demand immediate termination of the monthly XXXX  payments on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: DISCOVER BANK
State: MO

Complaint narrative:
On XX/XX/XXXX I sent a chat to Discover asking for a rate review as the rates kept increasing with no late payments or other negative activity. I didnt hear from them about the review but received a notice my account was closed. 

On XX/XX/XXXX I attempted the same approach via chat to inquire about reactivating my account. The representative stated they could not open again and I must reapply. She stated the primary cardholder closed the account. I am the only cardholder and I did not request it closed. 

I asked to file a complaint which she stated she did but couldnt give me a complaint # to reference. I have screen shots of the conversation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I called Mr. Cooper on XX/XX/XXXX to inquire about a recent increase in my mortgage payment. I was informed that it was driven by a recent increase in property taxes. The representative then informed me that he could do a complimentary " health check '' of my mortgage, and asked for my consent which I obliged. After a brief hold, the representative informed me that he checked, but based on current market rates refinancing would not be beneficial for me. It was at that point I realized he ran my credit for refinancing options. At no point prior to this did he mention refinancing at all. Had he done so, I would have declined. I called back on XX/XX/XXXX and requested to speak to a manager to voice my concerns over how the matter on XX/XX/XXXX was conducted. In speaking with the representative, she continued to stall transferring me to a manager. We discussed my previous call and indicated that despite the previous representative 's advice, she believed refinancing would be beneficial. She indicated that refinancing would be my only option to remove PMI from my payment. I questioned whether the increase in interest that I would incur over the course of the loan as a result of refinancing would make sense and she assured me it would and that I would be responsible for paying PMI for the duration of the loan otherwise. Based on the Homeowners Protections Act of 1998, I know this to not be true. The representative also mentioned the amount of equity I now have in my home, and after doing some research of my own, it appears I in fact would be a candidate for PMI removal based on the current value of my home and loan. That said, the representative put me on hold for over 20 minutes while she researched further. I ended up hanging up at that point because I had zero confidence that she would finish assisting me. That call lasted for XXXX minutes without any resolve to my original intent for calling. It appears to me that the representatives at Mr. Cooper are influencing consumers into refinancing based on false and inaccurate information. They indicate to be " licensed mortgage professionals '' but lack full transparency when speaking to consumers as well as comprehensive knowledge of mortgage guidelines. If my credit is being ran for a loan application that should have been clearly communicated upfront, versus using vague terminology.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: TX

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
On XX/XX/2022, I tried to make my minimum payment on my apple device. You had to make it before around XXXX pm my time. The apple card wallet would not allow me to make a minimum payment ; which was an error on XXXX part. It did allow me to make a payment around XXXX pm, which was around 2 hours later. This late payment is ruining my credit report and totally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: DE

Complaint narrative:
Made payments as reflected for total amount due. Next billing cycle indicated there was pass due balance. Was informed by several employees and supervisors that online payments system does not reflect correct information. A late payment fee is paid online, However as advise if a customer does not call back to Westlake Financial and advise the company and inform a late payment was paid online. That late payment fee Is applied to a principal. The term used is you must ask for an allocation Asked numerous representatives can I have a copy of terms and conditions of payment policy neither representatives does not have access to this information. Neither on payment portal does that state such policy. Attached is of the wording of payment portal, by Westlake Financial.

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 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a Wells Fargo consumer for XXXX  years. I have worked for Wells Fargo for XXXX  years. Upon opening a new account, I deposited a cashier 's check and it was placed on hold for XXXX  days with no funds available prior which is Wells Fargo procedure from my understanding. My personal and business accounts have now been closed due to XXXX  per Wells Fargo. One week before, my personal information was verified in order to open a business account. Months prior, my personal account was verified by a branch banker with no issues. The bank closed my accounts, after verifying me and debited my funds which were needed immediately and has caused me major hardship.

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 2022-03-17 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: Affirm Holdings, Inc
State: CO

Complaint narrative:
Affirm, is billing me for furniture I ordered and cancelled with XXXX hours ( this was an online transaction ) and the reason for the cancelation was the items I wanted to purchase was a bedroom set and a few other things, The bed did not come with a mattress so I decided to cancel the because for the price of the bed I think the XXXX should be part of the purchased. I paid a deposit of XXXX dollars and cancel the order the next day and affirm refunded my credit card but, they did not cancel the order and told me I had to take the items. I have not received any furniture from this company. 
XXXX of XXXX, I hired an attorney to have Affirm removed this negative item form my credit, No one at affirm will returned the XXXX call or responded to the emails. Below is my Attorney information I do not think I should have to pay for items when I cancel it and I should not force to accept items as well. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone No. : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Federal Tax ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have been a long time customer with Citibank, successfully paying bills with them for over 6 years with no late payments or overdraft or anything. I was successfully enrolled in AutoPay with Citi and so did not ever have to check the payments of these bills. On XX/XX/2022, I had a bill due for {$26000.00} and I paid this on XX/XX/XXXX, with the due date of XX/XX/XXXX. I was charged {$330.00} in interest for paying the bill one day late. This comes out to an annualized interest fee of 468 %. I did not receive any notification that the payment was late, that this interest was being applied, and I did not receive any notification that I was no longer enrolled in AutoPay. Because I did not receive any notification, this exact same event occurred in XXXX ( with similar annualized interest rate ). I believe that Citi is intentionally under-notifying their customers so that they can rack up these fees. When I brought this up to the customer service, they denied that I was ever enrolled in AutoPay ( not true ) and that this is not their problem because it is the terms of service. They make it very difficult to tell whether or not you are enrolled in AutoPay both via lack of notification ( for any bills due ) and via intentionally poor user interface on their website. Certainly, if I had known, I would easily be able to have paid these bills with no issue ( as they were paid one day late ).

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 2022-03-17 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: Early Warning Services, LLC
State: NC

Complaint narrative:
Early Warning, has broken the law-section 605B of the FCRA consistently XXXX since they 1st removed the XXXX account correctly, then reinserted it illegally without proper authority as provided in section XXXX subsection C of the FCRA. 
XXXX has never kept their word to contact me. Early Warning gets their contact information from ME. But Early Warning is wrongfully and illegally not investigating my claims at all. The police positively and absolutely CLEARED me of opening or maintaining the external accounts attached to my account with XXXX. 
It is these external accounts that caused the deficit with XXXX. Not me. But Early Warning is stupidly and arrogantly listening to XXXX and ignoring this fact. This is my MAIN claim to both Early Warning for reporting it still and XXXX, for not obeying the law and the police findings that I am cleared of those external accounts or anything to do with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: GA

Complaint narrative:
XXXX XXXX along with XXXX and XXXX are attempting to collect on a debt/foreclose on subject property ( XXXX XXXX XXXX XXXX XXXX illegally. The first problem, XXXX does not know, nor have they verified the current and rightful owners of the property. Therefore, they are foreclosing in the wrong Homeowners names, while failing to serve the rightful owners of the property, prior to advertising a foreclosure sale. XXXX, XXXX claims to work on behalf of XXXX Bank of New York Mellon ( the alleged creditor ). XXXX and XXXX claims to work as a Power of Attorney for The Bank of New York Mellon on behalf of XXXX. However, XXXX has claimed on several occasion that their firm does not own the property or the loan. Per the Supreme Court of Georgia, only the secured creditor can foreclose. The Bank of New York Mellon is not the secured creditor, nor have they invoked XXXX or XXXX and XXXX to collect a debt. We also had a Licensed Financial Private Investigator cross reference our findings please see attached. XXXX has also instructed our homeowners ' insurance company to discontinue our decade plus old policy. Please see attached. XXXX and XXXX and XXXX are engaging in illegal and fraudulent activity that is causing irreparable harm. We the rightful owners of the subject property have retained legal counsel. XXXX, XXXX refuses to acknowledge or communicate with legal counsel, hired to amicably resolve all matters surrounding the account. XXXX, XXXX in connection with XXXX and XXXX are attempting to sell illegally converted stock instruments, represent entities that have no interest in the subject property, perform an illegal foreclosure, theft by taking personal property, false and misleading representation, ignore homeowners counsel while interfering with their constitutional rights through deception, theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: FL

Complaint narrative:
EQUIFAX IS REPORTING A COLLECTION ACCOUNT THAT IS NOT ACCURATE OR MINE. PLEASE REMOVE THE CCS COLLECTION ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY. 
*** PLEASE BE ADVISED*** According to the law 15 U.S. CODE 1681 ( A ) ( 1.A ) Any account being disputed must be removed while under investigation. 

If your fail to follow this law it is an {$1000.00} violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Aldridge Pite, LLP
State: GA

Complaint narrative:
XXXX XXXX along with Aldridge and Pite are attempting to collect on a debt/foreclose on subject property ( XXXX XXXX XXXX XXXX ) illegally. The first problem, XXXX does not know, nor have they verified the current and rightful owners of the property. Therefore, they are foreclosing in the wrong Homeowners names, while failing to serve the rightful owners of the property, prior to advertising a foreclosure sale. XXXX, XXXX claims to work on behalf of The XXXX XXXX XXXX XXXX  XXXX ( the alleged creditor ). Aldrige and Pite claims to work as a Power of Attorney for The XXXX XXXX XXXX XXXX XXXX on behalf of XXXX. However, XXXX has claimed on several occasion that their firm does not own the property or the loan. Per the Supreme Court of Georgia, only the secured creditor can foreclose. The XXXX XXXX XXXX XXXXk XXXX is not the secured creditor, nor have they invoked XXXX or Aldridge and Pite to collect a debt. We also had a Licensed Financial Private Investigator cross reference our findings please see attached. XXXX has also instructed our homeowners ' insurance company to discontinue our decade plus old policy. Please see attached. XXXX and Aldridge and Pite are engaging in illegal and fraudulent activity that is causing irreparable harm. We the rightful owners of the subject property have retained legal counsel. XXXX, XXXX refuses to acknowledge or communicate with legal counsel, hired to amicably resolve all matters surrounding the account. XXXX, XXXX in connection with Aldrige and Pite are attempting to sell illegally converted stock instruments, represent entities that have no interest in the subject property, perform an illegal foreclosure, theft by taking personal property, false and misleading representation, ignore homeowners counsel while interfering with their constitutional rights through deception, theft and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXXE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXC XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/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 2022-03-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, I received a letter from Chase Bank stating that all my bank accounts, business accounts will be closed within a month of two.There was no explanation as to the reason for this. 

On XX/XX/XXXX, I reached out to Chase via phone to ascertain the reason for this but despite multiple phone calls, no one told me why all of my accounts were being closed. 

On XX/XX/XXXX, I went to the nearby regular Chase bank branch to request the reinstatement of my accounts but they did not give any reasons as to why they could not reinstate my accounts. They also did not share any reasons for the closure despite my multiple pleas for the same. 

I am a small business owner and recently started my UX design freelance work. I am a single mother and I manage a day job along with my UX freelance work to support my family. I have Chase as my primary bank account and credit card account for my personal self and my business. I only do regular daily transactions with my accounts and there have been no cash or large transactions in my accounts ever. I have recently immigrated to the XXXX  and I rely on Chase for their banking services. Closing all of these without a reason is very troubling and harrowing for me. 

Please. I request chase to reinstate my accounts as I have abided by their banking terms and I have done nothing wrong with any of my accounts.

Company response to consumer: Closed with explanation