vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-03 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: FL

Complaint narrative:
On XX/XX/2018 I wrote to Experian ; XXXX  and XXXX  credit reporting bureaus ( see attached letters and proof of certified delivery ) informing each that they are reporting an account that is unknown to me and that they are reporting inaccurate data regarding this account and the company 's contact information because my mail to them was returned by the post office as undelivered. I informed them that I have attempted to contact this company but the contact information stated on my report is incorrect. 

I wrote to the collections company on XX/XX/2018 stating the listed account # XXXX reported by XXXX XXXX  XXXX XXXX XXXX is not known to me and that I requested full validation. This is over ( 7 ) months please note that this collection agent is in non compliance with FCRA and the FCRA. 

I have received no response from any of the bureaus regarding my dispute regarding the non compliance of the collection agent although I sent supporting documents including the envelope stamped as undelivered by the US postal service ; copy of letter requesting validation sent to XXXX XXXX  XXXX XXXX XXXX ; Copy of certificate of mail ; copy of my driving license ; copy of my social security card ; copy of recent XXXX for verification of address of residency. 

The bureaus have failed to comply within the 30-45 day time frame and to date the account is still reporting on my credit ( see attached account reported on my credit report ) therefore I have no recourse to moving forward without the assistance of the Consumer Financial Protection Board.

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 2018-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Due to loss of employment I was unable to pay my mortgage. I put the home up for sale in XX/XX/2017. We knew it needed to be a short sale because of the amount owed on the first mortgage and a huge second mortgage. A contract was received in XX/XX/2017. OCWEN has continued to play games for over 7 months stating they didn't receive the offer, then they lost our offer. We had a preliminary acceptance via email after 5 months but they needed an appraisal or BPO for final acceptance. The person that claimed to do the BPO NEVER entered the home as we have electronic records of entry and she valued the home the same as totally updated homes in the subdivision. We filed a complaint and have NEVER heard back. Repeated phone calls, emails, voice mails go unanswered! 

The buyer of 7 months walked away from the transaction! This is their way of trying to force me to foreclose and pay back the money. I'm XXXX years old and only have social security to live on and that barely puts food on my table. 

They still will not respond!!!!

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 2018-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I received a flier in the mail stating that I had been approved for a {$2000.00} " line of credit. '' When I spoke to the representative it was explained to me that I could borrow various amounts up to the {$2000.00}. XXXX payments were broken up over each of my pay periods ( bi-monthly ). I borrowed {$600.00}. The repay amount seemed reasonable and I thought I would be finished with the loan in 3 months. It was not explained to me that there is a fee per {$100.00} charged each time a " Draw '' or borrow was made until later. I could not understand why it was taking so long to repay the loan. I contacted the company to inquire about it and that is when it was explained to me about the fee charged to borrow. The fee is taken off the top along with excessive interest making it virtually impossible to repay the loan. This was explained to me to be a " line of credit '' but the fees to borrow money and the interest on the money borrowed is misleading. This is not a " line of credit '' this is a " lifetime '' payday loan. The company is charging 299 % interest each pay period for each payment. Unlike a line of credit loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I filed a complaint and the company responded stating that they had removed my number but I continue to receive calls at my personal number and they have also started calling my work number of XXXX. Today, when I answered and told the person to stop calling me and that I had filed a complaint, they said they were returning my call. I DID NOT CALL THEM. I told her she was lying and she continued to tell me that I had just called them. that is a complete lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Hello, I signed up for a credit card from the First National Bank of Omaha. 

I was not properly notified of a {$39.00} annual fee. They claimed that they had notified me, but they had not. 

The gentleman on the phone claimed that a warning of this fee was e-mailed to me a month before, but if you look at the screenshot I sent, there is no mention of that. 

I tried to get them to waive or reverse the fee, one day after it was charged, but they would not.

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 2018-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
This was an XXXX DOLLAR CHARGE FROM 2013!! I PAID IT OFF MORE THAN 40 DAYS AGO. IT IS STILL SHOWING UP ON MY CREDIT REPORT ON XXXX. THE PEOPLE AT LOUISIANA RECOVERY SERVICES ARE SO STINKING RUDE!!!!

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 2018-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
Today after years of saving and smart planning I called Freedom Mortgage to pay off my mortgage balance and they would not take my payment. Next, the want to charge me {$30.00} to have someone from the escrow department calculate my payoff amount and then they are supposed to send me an email me next week with a payoff amount. At that time, I then have to initiate a wire transfer from my bank in that payoff amount before a certain date. 

Payoffs are extremely easy to calculate and being charged an additional fee and additional interest charges to purposefully delay my payment is criminal. Your software can do that instantly and you can take an e-check instantly online or over the phone but they refuse to do it. 

they should be prosecuted for this business practice. This is intentional fraud to dissuade pay offs, keep customers in debt and nickle dime them for additional made up fees. 

Terrible. 
-XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This was an XXXX DOLLAR CHARGE FROM 2013!! I PAID IT OFF MORE THAN 40 DAYS AGO. IT IS STILL SHOWING UP ON MY CREDIT REPORT ON EQUIFAX. THE PEOPLE AT XXXX XXXX XXXX ARE SO STINKING RUDE!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Credit bureau in direct violation of GRAMM- LEACH BRILEY ACT, 49 CFR 801.56, FCRA , FDCPA and various consumer protection laws.

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 2018-08-03 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
COMPLAINT : I am a XXXX-XXXX  XXXX seeking to open a checking account. Experian has placed a block on my credit access, stating that that it can't " verify '' my identity. I submitted a copy of my social security card and documentation verifying my legal address via your upload function on your website on XX/XX/XXXX and again on XXXX XXXX. Experian subsequently sent a copy of my credit report to me via mail, with no explanation. Meanwhile, no bank will open an account with me due to Experian 's inexplicable hold. Experian has carefully designed its system so that a customer has no way to speak to a service rep. This whole affair is an exercise in supreme frustration. The other credit bureaus have provided no objection. 

I will report to XXXX  in less than two weeks. I therefore request that you intervene to ascertain why Experian is blocking my credit, why no action has been taken to resolve it and ask them to resolve it quickly.

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 2018-08-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello i have a XXXX credit card and i check my monthly reports on XXXX XXXX I've never been late on payment and my score went down 30 points and i don't understand why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX a account was opened up at Conns under my name. I have repeatedly gone thru all of this with Conns and the credit reporting agencies. It was part of ID theft. Conns has refused to let it go. As of today XX/XX/XXXX the debt is sitting fresh only 10 days old in the office of connstar. Conns collection agency. Conns is reporting the debt fresh on my credit report every other month and keep submitting back and forth to the in house collection agency. Therefore they can keep the debt fresh and able to report it. 
Under Texas state law you only have a 4 year statue of limitation to collect on unsecure debt or credit cards. So as a default this account automatically should be removed as of XX/XX/XXXX. I have attached all my documents including Police report and recordings of proof that it is in the in house collection agencies office. The collection agency gave me a email to use but email doesnt exist. This has been a problem over 4 years now. And they only have a invoice which is not my signature. In fact I wasnt even in town at the time I was in Nebraska for the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NJ

Complaint narrative:
I closed my NetSpend account on XX/XX/XXXX. I was advised a check with the remaining amount ( minus a closing fee ) would be mailed to my house within 7-10 business days. I called on XX/XX/XXXX to confirm my account was closed and the check was coming, and the rep told me I should get my check by the XXXX. I did not get the check. When I spoke to NetSpend on XX/XX/XXXX, the rep said they will email me within 24 hours an update on the check. I received no email. When I then spoke to NetSpend on XX/XX/XXXX, they said they never send updates by email, and their Fraud Dept will provide a final determination within another 24 hours, and for me to call back. I call back XX/XX/XXXX, and this time, I'm told the Fraud Dept was not involved, and that I should receive my check in another 7-10 business days. The XX/XX/XXXX rep kept asking me if I want to re-open my account ( I think he is trained to do this by his superiors ), and I had to tell him multiple times I have no interest doing business with NetSpend, especially after this particular experience. CONCLUSION - Their story keeps changing whenever I call, and I don't believe they will send this check in 10 business days. They may be  doing this intentionally until I forget about the check, to pocket the remaining balance from before I closed my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Credit bureau is in direct violation of GRAMM- LEACH BRILEY ACT, 49 CFR 801.56, FCRA , FDCPA and various consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: CT

Complaint narrative:
One or about XX/XX/XXXX I received a voicemail from first National Bank of ohama. I returned the call, told them I havent used the card in a while why should there be late charges. A payment was made in the billing cycle yet they still charged a late fee. 
Since XX/XX/XXXX I have received 6 messages telling me to call them. They were from a robocaller. Also of note the number they called was my work/cell phone number. 
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 monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
A person unknown to me ( " the fraudster '' ) was able to " capture '' my phone number, thereby disabling my use of my own phone and my own phone number ; then the fraudster was able to access the XXXX app on my phone, which contained usernames and passwords to three different retail credit cards. The fraudster called all three retail credit accounts, purporting to be me by " spoofing '' my phone number when he called my creditors asking for " new cards '' and " increased credit limits. '' Two of the creditors were able to verify immediately that the fraudster 's calls were not from me, and they immediately locked down my accounts and prevented fraudulent activity. 

However, when the fraudster called my THD/CBNA ( Home Depot/Citibank ) credit card account, s/he was successful in getting a new THD/CBNA credit card sent to the fraudster at an XXXX-area address, whereupon the fraudster promptly made {$2600.00} in fraudulent charges to my Home Depot/Citibank account. 

I have notified THD/CBNA by phone and by mail of the fraudulent charges ; made Identity Theft and Fraud reports to the FTC and my local police department, and sent copies to THD/CBNA ; disabled my stolen phone number and been issued a new phone number by my carrier ; made fraud reports to all three credit bureaus re the fraud and the unauthorized requests for increased credit lines ; and done everything I can to get THD/CBNA to remove the {$2600.00} in fraudulent charges from my account, as well as to correct THD/CBNA 's erroneous entries on my credit reports showing incorrectly that I applied for and was turned down for an increased credit line with THD/CBNA. Yet THD/CBNA has failed and refused to do ANYTHING except close my hacked account and open a new THD/CBNA account for me -- then THD/CBNA transferred all of the fraudulent charges onto my brand-new account!!!. 

My most recent bill from THD/CBNA shows all the fraudulent charges ( all made in XXXX -- far, far from my home address ) -- even though I have complained repeatedly to THD/CBNA that such charges should be immediately removed and that I should not be held liable for such charges. 

THD/CBNA has been careless and negligent in its gross mishandling of this matter and has been completely unresponsive the many communications from my wife and me about this matter. According to THD/CBNA, I owe them the {$2600.00} that a fraudster charged to my account when THD/CBNA negligently sent the fraudster a THD/CBNA credit card IN MY NAME!!

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 2018-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Before passing away, my Mother quitclaimed her property to me in XX/XX/XXXX. In early XX/XX/XXXX ; I began experiencing financial difficulties and the mortgage went into default. Over a period of one ( 1 ) year ; from XX/XX/XXXX to XX/XX/XXXX, I have repeatedly submitted loan modification applications to the loan servicer and I have always submitted the follow-up documentation timely ; with fax confirmations as proof. 
I have received a denial of all of these applications due to conflicting reasons as given by the servicer : 'insufficient documentation ' or 'no loss mitigation options available '. The last denial I received was on XX/XX/XXXX ; which I am currently appealing. As I await the results of my appeal ; the servicer has informed me that the foreclosure sale is still moving forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: Credit Karma, LLC
State: NJ

Complaint narrative:
Hello i have a XXXX credit card and i check my monthly reports on Credit Karma I've never been late on payment and my score went down 30 points and i don't understand why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: GA

Complaint narrative:
Hello there, I am XXXX XXXX I had the credit card with company with a payment charge {$26.00} on my credit on XX/XX/XXXX. However I did not receive any notice and continued billed the late fee and interest on this amount. Here is the situations. 1 ) Mail communication. The company claimed they sent mail to me and returned back to tham. I check my profile online. It has my old address there. However, the company changed web site last year. Everytime I changed my address under profile. It went through smoothly. Nothing is wrong or warning there. But when I checked it out the next day. I still had my old address under profile. I found this out on XX/XX/XXXX after i found I was charged so much money on my credit card. In other words, the company has one unfunctional web site to update customer address. I also bak account and retirement account with the same company. I can not understand why the company find the address information from there. So far, my address is still old address under profile. 2 ) Phone communication I have two phone number there XXXX and XXXX. Nobody called me if you they had mail returned. If one communication way was blocked. They just charged the money on credit card and kept it. 3 ) email communication I have email address on file. I still received bak statement every month. I never receive any email from credit card department about my bill or mail return notification. The second communication is never used. In short, their company new web site from XX/XX/XXXX does not function at all. I can not change my mailing address online. Three ways for the communication become one way communication with month by month charge on my credit. I do not know if the company did that on purpose. I require the company to change my address to the correct address and refund the money back. I paid $ XXXX $ XXXX {$94.00} for the actual charge {$26.00} I require the refund the difference {$67.00} and make your company web site workable. My wife online account was also locked for almost one year and for the credit card web site, the company offer two different website from XX/XX/XXXX. It is ridiculous. It is a totally mess for the online credit card management. Please also correct the credit report for me. 
Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation