vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I submitted a request for mortgage assistance/ modification in  XXXX     2017  to  Ocwen  Mortgage Compan y . A t that time, no foreclosure date had been established. I received a letter from Ocwen requesting additional documentation within a reasonable period of time.   I submitted the documents as requested. Suprisingly, I received a deficiency notice from   XXXX   XXXX   XXXX   on    XXXX   XXXX  201   7, esta blishing a foreclosure date o f   XXXX   XXXX    2017  a t  XXXX   XXXX . To date  (   XXXX /17    ),  m y Ocwen Mortg age online account indicates I have a pending modification in consideration. Ocwen intentionally mislead me to believe I was in the process of saving my home. At the same time I received the foreclosure notice. I ca n't believe Ocwen would offer me assistance and pull the rug out from me without evaluating the documents i submitted. Ocwen is in gross violation of RESPA  1024.41 loss m itigation regulations relative to the improper establishment of a foreclosure date with a pending modification in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I closed my mortgage in  XXXX     2017. Wells Fargo has not provided me any bill whatsoever and when I call there   XXXX   number they are unable to help. I do n't want my credit score negatively impacted because of their inability to get me a bill. All I want to do is pay my mortgage. It is very simple but they seem e ither incompetent or unwilling to assist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have a billing dispute with the  XXXX  whi ch AMEX ha s not managed well at all. The charge is {$63.00} and  XXXX  is claiming it was delivered to my house.     When I look at the documentation supplied by  XXXX  to  AMEX,  is clearly states that this package was left at the front door and we have not received such a package.     I would like to get this matter resolved beca use AMEX is c laiming that I received the package which is not the case, since it was left on a front door some where in the neighborhood by  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 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: SC

Complaint narrative:
Navient  had taken over possession of my student loan. I never received paperwork claiming they had purchased the loan and it was under their management. I got a letter when my loans were due that I owed my first payment. They also had the wrong graduation date from college so the loan collected interest over  three  years when I could have been paying it. They claim it was the responsibility of the borrower to let them know of any incorrect information, which I understand. But, I told them I had no idea that Navient even existed until they sent me the first bill. So, I was n't even aware they had my loan let alone incorrect information. They said all they could do was take the interest accrued and put it in a separate account and I can pay off the interest it accrued over those  three  years while the rest of the loan sat there and accrued more interest on the principal balance. They said it would be around {$6000.00} that I would have to pay first if I did that and the rest of the loan would continue to get higher since it would accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
To whom it may concern, It saddens me deeply to write this letter as I survive through my current financial struggle. I am writing about  Ally  Bank, my interest rate and my efforts to keep my vehicle that I 've been paying on for 2 years. My payments to Ally bank are {$440.00} a month. When I first got the vehicle I was told that the interest rate was very high because I did not have much credit, and that I 'd be able to build and get a lower rate in a few years. Since having a vehicle was a necessity to me keeping my job and taking care of my family, and since it was affordable at the time, I decided to move forward with the purchase. Unfortunately things changed for the worst, and the amount of the car payment is no longer in my budget, yet I 've been doing everything that I can to struggle to make these payments every month. I 've been on payment plans, I 've done everything that I can, however no matter what I seem to do that payments are simply too high. In addition, the value of the car in comparison to the payments that I will be making is unreal to say the least, but this is what new limited credit will get you in the world.     I 've writte n Ally Ba nk several times to see if there is something that they can work out with me, either with the interest rate, or anything that will lower my payments to something that is more affordable for my newly demoted salary. I 've gotten no responses. I understand that it is not  Ally Bank  's responsibility to assist me with keeping my vehicle, however seeing that the value of this car is no where near the amount that is left over to pay in the loan, I feel it beneficial for both parties to work things out. I 'd like my request sent to the headquarters of  Ally  Bank.     I would like to humbly negotiate  one  of the following with  Ally.  I am making every effort to keep my agreement with Ally and with such outrageous interest rates I only ask that they please respond to my letters or forward them to headquarters to see if something can be worked out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: AZ

Complaint narrative:
Hi, I 'm  XXXX   XXXX  a college graduate in  XXXX , AZ. I started college at  XXXX  with no real knowledge of student loans or how it works. My school told me that sallie mae was about the only option I had for payment. So I went with it. Everything seemed golden until I graduated college and it was time to pay it back. I have {$58000.00} in loans fro m Sallie Mae  which with interest is at over $  75,000+ I cu rrently work at   XXXX     XXXX   making just about {$30000.00} a year. The enormous monthly expense of {$780.00} a month is impossible for me to pay. I have had no luck with sallie mae being willing to assist me on this matter, by either helping reduce my interest, consolidating my loans, extending my loan life to render smaller payments, and even declining forbearance while still being within their policy limit.     So essentially I have this heavy life ending debt hanging over me with no option but to default and essentially ruin my financial future.     It 's a shame how we go to school in want for an education only to end up worse off than those who do n't even go to college. Something 's got to give ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I have a vehicle lease with   XXXX   XXXX    XXXX .   I was told that I have been missing my first payment and have been late ever since. I have made multiple calls correcting the issue and even paid the late fee once. Currently, they are still compounding my late fee again and it has risen unto {$260.00} I have made repeated requests to correct the issue but no action has been performed by the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XXXX   XXXX   XXXX   has added   XXXX   collections in my account for the 3rd time. I have not been to the emergency room at all. This issue was resolved years ago and i also sent information in verifying this was not me. Now here we are again they sold the debt to COMMON WEALTH FINANCIAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Took out a bank card for {$200.00}. Forget to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
had account with TD bank in  XXXX   XXXX  florida around  2013. closed the account after having extreme issues with the bank. I had some some withdraw a lot of money on a online server.. when I reported it the bank refused to reimburse my money and feed me.. after going to your agency years ago they finally fixed and cleared my accounts.. well guess what its back.. I had received a letter from them way back but lost documents in the hurricaine.. these people are ruining my credit and just came back on my  XXXX  and credit report just with the last two months.  I do not have my old account number. want it removed immediately

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Toda y,  XX/XX/2017 , I atte mpted to order Equi fax Premium 3 c redit scores offered for {$3.00} for the first 30 days, and then {$19.00} if not canceled.   I submitted my personal and debit card information and it gave me 3 times ERROR. Equifax system is designed to mislead customers and make them thinking they made an error. This is why I clicked 3 times.   Here is how Equifax  SCAMMING AN D Thief Practices work : { see copy of the most recent Equifax transaction on my bank account ) I was scammed and charged 3 times without Equifax allowing me to see my report. They never notified me that my bank account will be charged.   I called their number  XXXX  at  XXXX   XXXX . Their customer representative  XXXX  ID #  XXXX  refused to fix it, refused to stop the charges. Equifax worker,  XXXX , even BLAMED ME THAT I 've CHOSEN TO USE THEIR SERVICE AND STATED THAT I HAVE ORDERED IT BY MY OWN WILL!   I was very upset, and objected the scamming Equifax practices insisting to  XXXX  to do his job and cancel the payments/charges immediately. He REFUSED TELLING ME I SHOULD CALL MY BANK.   I said that I DO NOT TRUST EQUIFAX ANYMORE. EQUIFAX SHOULD NOT BE INVOLVED IN a THIEF PRACTICES, BUT IT IS A COMPANY that PROTECTS THE PRIVACY OF MILLIONS OF  AMERICANS.THUS  EQUIFAX IS INVOLVED IN SCAMMING PRACTICES AND FAULSE ADVERTIZEMENT in order to illegally make profit. Not only this, but Equifax worker arrogantly refused to stop the illegal charges.THIS IS VE RY SCARRY!      "   XX/XX/2017  Pe nding Card Hold / EQUIFAX  XXXX   XXXX   XXXX . Release Date   XX/XX/2017   {$3.00} Pending Card Hold / EQUIFAX  XXXX   XXXX   XXXX . Release Date   XX/XX/2017   {$3.00} Pending Card Hold / EQUIFAX  XXXX   XXXX   XXXX .  Release Date    XX/XX/2017  { $3.00} "

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
had account with   XXXX   XXXX   in   XXXX   XXXX    florida around 2013. closed the account after having extreme issues with the bank. I had some some withdraw a lot of money on a online server.. when I reported it the bank refused to reimburse my money and feed me.. after going to your agency years ago they finally fixed and cleared my accounts.. well guess what its back.. I had received a letter from them way back but lost documents in the hurricaine.. these people are ruining my credit and just came back on my  XXXX  and credit report just with the last two months. I do not have my old account number. want it removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
had account with   XXXX   XXXX   in  XXXX    XXXX  florida  around  XXXX  closed the account after having extreme issues with the bank. I had some some withdraw a lot of money on a online server.. when I reported it the bank refused to reimburse my money and feed me.. after going to your agency years ago they finally fixed and cleared my accounts.. well guess what its back.. I had received a letter from them way back but lost documents in the hurricaine.. these people are ruining my credit and just came back on my telecheck and credit report just with the la st two m onths. I do not have my old account number. want it removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 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: FL

Complaint narrative:
had account with   XXXX   XXXX   in   XXXX   XXXX   florida arou nd 2013. close d the account after having extreme issues with the bank. I had some some withdraw a lot of money on a online server.. when I reported it the bank refused to reimburse my money and feed me.. after going to your agency years ago they finally fixed and cleared my accounts.. well guess what its back.. I had received a letter from them way back but lost documents in the hurricaine.. these people are ruining my credit and just came back on my   XXXX   and credit report just with the last two months. I do not have my old account number. want it removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX, there were XXXX deposits ( XXXX checks ) made into my and my son 's checking account for the amount of {$1400.00} each, totaling {$2900.00}. Subsequently, on XXXX and XXXX there were XXXX withdrawals for {$1400.00}, {$70.00}, and {$1400.00}, totaling {$2900.00}. The deposits and withdrawals were unauthorized and not ours. <P/>The checking account was restricted by Chase, JP Morgan on XXXX due to the checks being fictitious and were therefore returned to me. The bank also charged {$48.00} total for service fees of the XXXX returned checks. <P/>The checks were from a company called XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, New York, with the bank check routing numbers being from an account in California, and the fraud was committed at an ATM in XXXX, Illinois. <P/>The checks were not my son 's, nor do they match his signature, we have proof we were in XXXX at work and school. There has never been in the history of the checking account any ATM deposits until XXXX/XXXX/XXXX when these transactions occurred. <P/>I contacted Chase on XXXX in person at a bank, then again called on XXXX and filed claims about the deposits and withdrawals. All of my claims have been repeatedly denied. I escalated the denials to Chase Executive Office via a Chase Bank Branch Manager. Chase repeatedly tells me that I am being denied due to two reasons : 1 ) the account was being " monitored '' and 2 ) I did not submit the claim in a timely fashion, when federal law states that I have two years to file a fraud claim. <P/>I have even contacted the company in New York and researched them on-line and contacted them and they are obviously not willing to fix this problem either. <P/>On XXXX/XXXX/XXXX, XXXX XXXX from Chase Fraud in  XXXX, Ohio ( who was the specialist in charge of my account for this situation ) told me that he froze one of my accounts and it will remain that way until I pay the negative balance on my account. After our discussions, he did unfreeze the account but withdrew the {$2900.00} from one of my other accounts instead to make the account positive and in positive balance standing. <P/>I did everything I was supposed to do. We have excellent credit history not just with Chase but all of our financial institutions. We have NEVER filed a claim before with Chase or anyone else. I have filed a police report and have the report number. I want the {$2900.00} back that was stolen from our account and that Chase in turn deducted from me when there is blatant fraud that was committed and they repeatedly deny this to me. <P/>The company already has ALL letters, signed claims from me, proof of signatures and has been offered attendance records from my son and I at school and work and they did not ask for these. I even suggested for them to obtain the ATM video from the ATM in Illinois and obviously they did not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 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: OpenRoad Lending
State: MA

Complaint narrative:
I XXXX XXXX, never authorized and or do not recognize these inquiries on my credit report from XXXX, OpenRoadLending LLC, and XXXX ( I have no clue what this is. ) on date XXXX XXXX, XXXX. I am not in search of a car loan and or refinance as I recently purchased and opened one in  XXXX of XXXX. Nothing was done purposely for my credit to be pulled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a secured credit card from wellsfargo.. I closed it in  XXXX / XXXX /   2014 to  many issues using card and eventhough I had  XXXX  dollars as deposit and was only able to use half the amount on card I was constantly getting fees. so I closed it and was told that everything would clear and account would be closed. instead they charged me  XXXX  I had fought them even got a letter stating it was cleared. it is still on my credit reports.. my letter from them was destroyed in hurricaine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I disputed to the credit bureau the reasons why  XXXX   XXXX   XXXX  located in  XXXX   XXXX , MN should not be on my credit bureau. I sent this  XXXX  of  2016 , It has been a year yet I have not received any feedback but yet this is still on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14 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: MN

Complaint narrative:
Im A  XXXX  living in  XXXX   XXXX   XXXX  and  XXXX  says they cant Proses my Information electronically and i have two send it buy  Paper M ail  XXXX  is the Counter  Fit capitol of  the World i should not print documents at and  internet Caffe  and the mail is extremely Unsafe.     It Would Tak e 40-60 days two mail the  Credit Burrow from  XXXX  I have  two Fly Two   XXXX  and ask  XXXX  that 13 Years i cant get a new ATM card with a  XXXX   credit score be cause my payee sabotage everything Can I sue the Credit Burrow from  XXXX  that i cant get a New ATM card in 13 years  XXXX  - A World of Insight We 're sorry. We were unable to honor your request.       Sending us your information To submit your request by mail, please send your documents along with  one copy of a government issued identification card, such as a drivers license, state or military ID card, etc., one copy  of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number.  Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, maga  zine subscriptions  or postal service forwarding orders as proof. To protect your personal identification information,  XXXX  does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. Be advised that written information or documents you provide with respect to your disputes  may be sh ared with any and all creditors with which you are disputing.       Mail this form to :  XXXX     XXXX   XXXX   XXXX   XXXX  ,  TX  XXXX  Your identification information  XXXX   XXXX  Social Security Number :  XXXX   XXXX   XXXX   XXXX   XXXX  MN  XXXX  Report number :  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