vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I had set-up an auto-debit payment for my mortgage with Ocwen, XXXX # XXXX. Ocwen received the payment XXXX XXXX, XXXX, but it send a second mortgage bill on XXXX XXXX, XXXX which was returned because of insufficient funds. XXXX charged me {$36.00} for returned item fee. 
On XXXX XXXX, XXXX Ocwen received my monthly mortgage payment, but again it send a second mortgage bill on XXXX XXXX, XXXX which was returned for insufficient funds. XXXX charged me {$36.00} for returned item fee. 
Ocwen received my monthly mortgage payment on time, but kept sending a second bill causing a return item fee for the second bill. I sent an inquiry to Ocwen but did not receive a satisfactory response. 
Double billing is illegal and causing problems with my checking account, my mortgage contract states that I will only pay once a month, this abusive double billing must stop.

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 2017-11-08 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 — Investigation took more than 30 days
Company: SECURITY FINANCE CORP
State: NC

Complaint narrative:
The only problem I have with PFS is they told me they report to all three major credit bureaus and that was almost a year ago, my loan still has not showed up on my credit. The hard hit has, but not the loan. The only reason why I bought my vehicle was to build my credit. I bought this vehicle to build my credit because I had very little. I was hoping to not even have the car this long. I was going to trade it in for something better once my score went up some. I have asked them multiple times about this and they say they are working on it that it could take another year for it show. Everyone I have spoke to says it never takes that long for a company to report your loan. I 'm sure if I did n't pay they would reported nonpayment to all three major credit bureaus in two seconds. Just very frustrating. I have made all of my payments on time with PFS even made early payments.When I went to trade in my XXXX XXXX the dealer from XXXX XXXX said my credit score was bad because I had not made any payments on my XXXX, and the credit report showed that I never owned the XXXX or taken a loan out for the XXXX. Now mind you I have proof of all my payments that I have made. They have totally ruined my credit and when I called them they said their system had been down for a year-and a 1/2 and that theyre not required to report to any credit bureaus.. please help me ... Ive reached out to them, spoke with XXXX XXXX no results. Reach out to XXXXXXXX XXXX, No results ... Im XXXX years old I shouldnt have to go through this just because I was a first time buyer. If we make an agreement it should be written in stone. Please help me. This is madness For every payment be reported to all three major credit bureaus or the corporation can have the vehicle back with no penalty or expected charges or fee due to no wrong doing on my behalf.. 

I have proof receipts of all my payments made and I also have proof of other complaints from people this year who have problems similar to mines with PFS none are good.

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 2017-11-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax and XXXX XXXX XXXX at least 10 times over last 3 months. There are 2 collection accounts on my report that are clearly not mine. The Collection company does not even have my social security number or name in their system. They said it was a file merge that 's how the account showed up on my file. They have contacted Equifax over and over to verify this is not my account and Equifax refuses to remove this account in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: FL

Complaint narrative:
They told me they couldnt access my account because of a creditor & I have nothing on my report! Just call back and see if you can access it then!

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 2017-11-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have recently become an adult and monitor my account like I should. I purchased a XXXX  account which shows the reports for all the Credit Reporting Agencies. As ofXX/XX/XXXX I also purchased the Experian premium service and found that there were to credit cards opened in the name XXXX XXXX one on XX/XX/XXXX and another in XX/XX/XXXX. Both of these accounts were opened either fraudulently or by someone who has a similar name than me. There is alone in XXXX, TX where i resided when both were opened over 50 XXXX XXXX 's. My name is XXXX XXXX XXXX. I have sent Section 609 of the FCRA to have the CREDIT REPORTING AGENCIES to verify that those accounts are mine as well as for them send me the proper documents as per the FCRA states. I have recieved nothing but a credit report with updated infornation stating that account has been verified. I have sent appropriate documents to the Credit Reporting Agencies to support my claim that my name is XXXX XXXX XXXX not basic XXXX XXXX. I have purposely included into my signature my middle name or my middle intial as the two documents show that I have currently uploaded to you. On the Drivers License its a XXXX between the XXXX and The XXXX also as if the XXXX is apart of the XXXX. And on the social security card it spelled out in the middle of the length of the name. I truly am sorry for the long letter of what is happening but after the recent XXXX leaked personal information, I have been fighting with the CRAs for Four Months about their basic FCRA requirements under the Section 609. And then their total lack of caring about a consumer and their lack of building their credit to secure a home loan for his family. Please someone help me. 

XXXX XXXX XXXX P.S there is over 250 XXXX XXXX in a 6 hour radius of where i currently live.

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 2017-11-08 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: FL

Complaint narrative:
TransUnion is reporting an account with XXXX which they say has a balance and that is not correct. There is no money owed to that company. Please help me.

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 2017-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NY

Complaint narrative:
Only HALF of the amount I paid to Sallie Mae through my OnlIne Bill Payment Service through my bank was actually credited to my loan. Prior to this incident, I had no problem with the FULL amount of my payment being credited to my loan. 

XX/XX/XXXX - {$25.00} paid and deducted from my checking account, only {$12.00} credited to my loan XX/XX/XXXX - {$37.00} paid and deducted from my checking account, only {$18.00} credited to my loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sunset Management, Inc
State: GA

Complaint narrative:
Contacting me about other people I know accounts. Threatening to call the police and pull up at my residence. Employee used her job title to have XXXX XXXX with someone I know who has an account as well

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 2017-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am not able to get a copy of my credit report from TransUnion or file any kinds of disputes

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 2017-11-08 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I have contacted XXXX and Southwest Recovery Services at least 10 times over last 3 months. There are 2 collection accounts on my report that are clearly not mine. The Collection company does not even have my social security number or name in their system. They said it was a file merge that 's how the account showed up on my file. They have contacted XXXX over and over to verify this is not my account and XXXX refuses to remove this account in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently become an adult and monitor my account like I should. I purchased a XXXX account which shows the reports for all the Credit Reporting Agencies. As of XXXX XXXX I also purchased the XXXX premium service and found that there were to credit cards opened in the name XXXX XXXX  one on XXXX/XXXX/XXXX and another in XXXX of XXXX. Both of these accounts were opened either fraudulently or by someone who has a similar name than me. There is alone in XXXX, TX where i resided when both were opened over XXXX XXXX XXXX 's. My name is XXXX XXXX XXXX. I have sent Section 609 of the FCRA to have the CREDIT REPORTING AGENCIES to verify that those accounts are mine as well as for them send me the proper documents as per the FCRA states. I have recieved nothing but a credit report with updated infornation stating that account has been verified. I have sent appropriate documents to the Credit Reporting Agencies to support my claim that my name is XXXX XXXX XXXX not basic XXXX XXXX. I have purposely included into my signature my middle name or my middle intial as the two documents show that I have currently uploaded to you. On the Drivers License its a XXXX between the XXXX and The XXXX also as if the XXXX is apart of the XXXX. And on the social security card it spelled out in the middle of the length of the name. I truly am sorry for the long letter of what is happening but after the recent XXXX leaked personal information, I have been fighting with the CRAs for Four Months about their basic FCRA requirements under the Section 609. And then their total lack of caring about a consumer and their lack of building their credit to secure a home loan for his family. Please someone help me. 

XXXX XXXX XXXX XXXX there is over XXXX XXXX XXXX in a 6 hour radius of where i currently live.

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 2017-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I use an app formerly known as XXXX XXXX and as of XXXX/XXXX/XXXX they have changed their name to XXXX. They are great but need my bank to send information in order for me to be able to recieve my XXXX XXXX XXXX but because chase is taking more than the few hours they were suposse to have done it by my money isnt there and i was depending on having that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
My account was not overdrawn and yet I have been charged a XXXX} overdraft fee. TD Bank is currently fighting a class action lawsuit for their fee behavior and I have say I 'm very disappointed with their poor behavior toward my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-08 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:
On XXXX XXXX, XXXX I submitted a CFPB claim no. XXXX to Experian to initiate an investigation on how several items that were reported and some that they are still reporting as a result of an Identity Theft claim was affecting my credit score and requested them to recalculate my credit score accordingly. 

The company on XXXX XXXX, XXXX responded that they could not continue processing my CFPB claim because the address I submitted in my claim was incorrect and this is false. 

The address on this claim is fully correct and was corroborated by them. I sent them proof of address back in XXXX XXXX, XXXX and they have been sending me all the correspondence to the address added in the claim. 

I have attached the last correspondence received from Experian showing the same address added to the claim above.

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 2017-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX payments XXXX, XXXX and XXXX for {XXXX Charge off. This is not my account. We never received statements but learned this was on my credit report in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: Total Card, Inc.
State: FL

Complaint narrative:
I have n't received a response to emails to confirm if payments were suspended. When I received an email from the bank the payment was to be withdrawn from, I called and questioned what the email was for. I honestly thought the payment would be paid. The payment is from a savings account. The payment was returned. I communicated that if I had received notification in writing that I would n't be going through this. I was told that payments were suspended. It reminds me of when I was on the phone with a representative at XXXX and the female employee said something like I told you verbally. 

I emailed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XXXX/XXXX/XXXX I paid a collection account in full with the agency ( XXXX # XXXX XXXX. I faxed documentation in the form of a receipt on XXXX/XXXX/XXXX to XXXX in order to update my credit file. I was advised that the receipt and review would take 48-72 hours. Upon learning on XXXX/XXXX/XXXX that this information still was n't received or reviewed, I faxed it again on XXXX/XXXX/XXXX to the same fax # and to XXXX XXXX at XXXX. XXXX provided a formal paid in full letter on XXXX/XXXX/XXXX and I faxed this to the dispute fax # and XXXX XXXX on this same date. On XXXX/XXXX/XXXX my file was finally updated to a {$0.00} balance for the XXXX account but still indicated an open status. The rep advised that they would need to dispute this status and submitted it for investigation. On XXXX/XXXX/XXXX XXXX sent Equifax notification indicating that the account was indeed closed. On XXXX/XXXX/XXXX a supervisor, XXXX  ', indicated that they received the updated info on XXXX/XXXX/XXXX but that Equifax has 30 days to close an investigation. I asked how this makes sense when they have they have the documentation to update the status and he continued to parrot Equifax 's 30 day rule. He then cold transferred me to 'XXXX XXXX in Consumer Affairs who indicated the same thing and told me that 'I needed to wait '. I contacted a corporate switchboard operator that advised me to ask to speak to speak to a CA Manager and transferred me to the XXXX upon which time I asked to be transferred back to the U.S. I spoke with 'XXXX ' again who refused to transfer me to a Manager and stated, 'I 'm the highest level available '.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I tried to log into my account with Capital One for my credit card to view my transactions. I was directed to a screed to verify my contact phones, email and then the 3rd box I am asked to disclose my income and employment status. The information is mandatory and would not let me bypass. I called customer service and then escalated to a supervisor. No one could provide me the information I asked for which was under what authority, or requirement was this " bullying " tactic imposed on my account. I was told they wanted this information for offers and/or limit increases. I would agree this information should be provided if I asked for an increase, but I did not! 

I have never received a notice disclosing I would be required to disclose this information on an ongoing basis! I have had this card for 15 years or more. This is the second time I have run into this type of practice by a bank/credit card company. This should not be imposed on the consumer when we have been forced to online activity by banks and then they force the consumer to disclose what ever information they are seeking or deny access to your account which includes paying your bill! 

I am upset enough I will look for another company and close this account, but the real issue with this is this affects the consumers credit rating. In my case this card has a high limit, I have had for 17 years and in good standing. Closing this card will lower my credit score! I would rather bury my money and never have to deal with banks again, the login, fraud, breaches, the extreme hassle of calling for access, the wait times ... Oh what a joy!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: GA

Complaint narrative:
I filed a dispute with Experian about account number XXXX reported by the XXXX XXXX XXXXXXXX XXXX.in a amount of {$880.00}. I told Experian that I dont owe any money to the company reporting this Item and I want this to be out of my credit report because it is negatively impacting my score and my credit. I attached all the proof that I do n't owe any money to 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 non-monetary relief
Consumer complaint received 2017-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
I have gone to this company ( Easy Money ) in XXXX, Tn. XXXX about my account. I took this loan out on XXXX XXXX, XXXX, I have been making monthly payments of {$170.00} or more each month. The amount of money that I received was {$900.00}. I have asked the manager at this store about why is balancing going up each month. I have paid on this account $ XXXXWhen I got this loan, it was told to me that the loan would be for 1 year. I received a statement that my balance is still {$910.00}. I did not make a payment on this loan in XXXX, XXXX because I had paid on it for a year. I went to the store and talked to the manager in XXXX, XXXX about this. she told me that I would have to talk to the Corporate Office, I asked for the phone # for the Corporate Office but she said that she could not give it to me. I went back to the office on XXXX XXXX, XXXX and I complaint to one of the associates, she then gave me the corporate Office #. I called the office but I could not get any resolution in talking to one of the customer service rep.

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