vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
in XXXX of this year, XXXX our loan was once again sold. we were previously accepted by XXXX XXXX for a modification in XX/XX/XXXXXXXX with no notification were sold to Shell Point Mortgage. we have been working with the XXXX XXXX XXXX of XXXX XXXX with a contact of XXXX XXXX. she has multiple times along with myself reached out to shell point for assistance in litigation department. months after the purchase we were given a point of contact finally. all paperwork was sent over and over again and sent to underwriting. the income was not correct, they had an old employer never included the profit and loss income and when questioned only apologized and asked to restart all over again. we complied. resent all current paper work. each time we send in new paperwork, something else is now needed. for the last 4 weeks myself and XXXX reached out to shell point to find out where the modification stood. no response. when finally onXX/XX/XXXX shell point finally reached out, they said because three weeks had past we again needed to update. they said that they were affected by the floods in texas and were unable to contact us. on XX/XX/XXXX i resent updated documents, once again no contact back. when we finally spoke with someone after leaving 3 messages, on XX/XX/XXXX XXXX days after last contact, not only were the updated income needed 2 forms now were also in need of resending that were on XXXX on recorded line told to us were in tact and accepted.not once in any of this time were we told about a sale date or sent documentation of this. today on XX/XX/XXXX there was an auction. we are to be homeless, we have tried to work with this company along with the attor. general office to modify this loan. given the hardship we faced with no intent of them ever working back with us. all we want to do, is modify the current loan and keep our children safe. please let us know how we can do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Leaked ( involuntarily ) acquired sensitive information that could lead to future/ present damages to my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have had extremely bad experiences with PNC Cash Rewards redemption program. Their website has a button to " redeem rewards ''. It does not work even when you meet the minimum rewards balance. For the last four years, each month, when I try to redeem the rewards via their website, I get an error message. There is a number to call which sends you into a very long and complicated phone tree, finally connecting you with another group. That group takes your information, and reconnects you to another group. After about 20-30 minutes, you can redeem them on the phone. I have called about this each month for the last four years, even speaking with the supervisor 's supervisor, and have been told that they are " working on it ''. They are always " very sorry for my frustration '' and give me a " direct number '' to call, next time. Each month that number changes. There is definitely something illegal about this tactic. No one should be put through all of these hoops to redeem the rewards they earned. 
Here are two phone numbers that are " direct '' to the rewards people : XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: GA

Complaint narrative:
Today, XXXX XXXX, XXXX, I contacted all three credit reporting agencies ; XXXX, Equifax, XXXX. Only XXXX, Experian, provided a credit report. It had multiple errors, or which I filed a dispute. Both Equifax and XXXX could not provide any information because they could not verify my identity. I am quite sure they have multiple errors, also. When I accessed the information on the Equifax breach, it appears my information has been compromised too! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: GA

Complaint narrative:
Today, XXXX XXXX, 2017, I contacted all three credit reporting agencies ; XXXX, XXXX, TransUnion. Only one, XXXX, provided a credit report. It had multiple errors, or which I filed a dispute. Both XXXX and TransUnion could not provide any information because they could not verify my identity. I am quite sure they have multiple errors, also. When I accessed the information on the XXXX breach, it appears my information has been compromised too! 
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
Consumer complaint received 2017-09-20 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: MN

Complaint narrative:
My name is XXXX XXXX and cell number is XXXX. 
I got call from XXXX first time on XXXX today and after 10 minutes get another call from XXXX number. They said they are credit agency people so they need expuration date of my XXXX card of capitalone bank and they get information from XXXX that I pay my bills on time since 8 months and they can lower my interest rate. 

When I cross question them they start talking abusive language in XXXX. It is my mother tounge so I can understand what they said. I am sure this is international gang for fraud. XXXX is the language use in an XXXX country name XXXX. 

I report it to you and request you to take serious action. 

Your earliest action is highly appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Became aware of Equifax breach on XXXX XXXX, Checked Equifax site and found my credit information was compromised. XXXX Put a freeze on my credit at all 4 credit bureaus and a fraud alert at XXXX XXXX XXXX Registered with Equifax and received message to get back to them on XXXX XXXX. Signed up for the " Free '' Equifax TrustedID Premier credit monitoring. 

Have not received any confirmation E-mail, Phone call or letter that I have an account established. Have checked on line at Equifax and the site shows I DO NOT HAVE MONITORING. I have tried every phone number I can find for Equifax ( 5 numbers ) and only the XXXX one is answered. They told me to call the US number ( one of the 5 ).
All are automated to sell products.
I want confirmation that I have " FREE CREDIT MONITORING ''.
I want a phone number for Equifax that is answered by someone in the USA.
I want FREE LIFETIME CREDIT MONITORING.
Can the Federal Government provide a number ( that will be answered ) where I can get a straight answer to my question from Equifax? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
I had a qualifying hardship in XXXX XXXX when I went out on XXXX XXXX. Since then I have fallen delinquent with the mortgage on my primary residence. I have made numerous attempts to keep the home from foreclosure. The last contact I had with the mortgage company I was told that there is a cease and desist order and they could no longer provide me with any information. That was in XXXX of XXXX. I have not received a monthly statement from them since then. I was told by the mortgage company the lawyers phone number to contact and a last name only! The phone number was a fax number and I do not know the lawyer involved nor does the mortgage company. In the meantime, the mortgage company has obtained an attorney to represent them and the bank which the loan is through. I have not been able to even try to negotiate with the mortgage company because of this cease and desist order but they wo n't provide me any additional information to investigate on my part who ordered the cease and desist order. Since then my hands have been tied to any further contact or request for information on my mortgage account. The mortgage company is moving forward with foreclosure proceedings and had an attorney file a complaint in the Superior Court of New Jersey for a motion to foreclose on my home. The attorney representing the plaintiff will not provide the information I need to even file an answer to the complaint filed in XXXX XXXX. I contacted Legal Services in XXXX XXXX and was advised to cut my losses and remain in the home until the XXXX XXXX Sherrif seizes the property. I feel that this whole ordeal is a violation of my consumer rights and I am requesting assistance to resolve this matter as soon as possible. This is an urgent complaint that needs immediate consideration. As I mentioned I am XXXX and have not been able to find suitable housing because of my fixed income and a poor credit report due to the delinquency of this loan! Please help! Thank you in advance for your cooperation in this emergency situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was contacted by a gentleman named officer XXXX who identified himself as an agent with CFPB He gave me this number XXXX and used your XXXX XXXX address. He informed me that there was a check for me in the amount of {$970000.00} from Bank of America and I was to call the following company to claim my winnings XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, Fla XXXX at this number XXXX I spoke with a man named XXXX XXXX there and he gave me a number for Bank of America to call They were some kind of insurance bond company He gave me their number and instructed me to a certain prompt He informed me not to listen to the entire recording since it was very long and in several languages. I was to call BOA at XXXX and press 3 From there I was to entire the account number XXXX with a pin of XXXX When I did that the recording said there was {$970000.00} in " my '' account. I hung up and called back and tried a different prompt and boith times was cut off I did not use the press 3 again. I then turned around and called Agent XXXX back at the number above and was informed he was not there and would call me back I gave him my name but no number Of course there was no phone call However when I called their recording and information is identical to your offices which I called after trying to reach XXXX XXXX. I did speak with a very nice woman who did inform me that this was obviously a scam and send me the link to report it I am also following up with the FTC

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 2017-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX case not resolved to my satisfaction consumers have rights as well when it comes to Fair Credit Act they used my info without permission and that is ID THEFT i contacted all the creditors and no response so i came to CFPB for help and you have not cleared the issue. i am a victim of ID THEFT since XXXX XXXX and still haveing problems to this day. PLEASE HELP.

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 2017-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
It is frustrating to find yourself on a financial situation such as loss of employment, which you can not prevent from defaulting on your mortgage. It was than that I was forced to default on my payments. It was then that I struggled and began making life difficult.. I began to panic and retained an attorney by the last name of XXXX who submitted the firs package to XXXX XXXX XXXX to no success. During the process XXXX XXXX XXXX sold the loan to Rushmore Loan management who will not acknowledge the fact that this loan was under a loan modification. I had to start all over again for they did not have any of my documents.. Time went by with out a resolution. I terminated XXXX XXXX and began to deal with the bank myself. I also did not get any where. I have send various packages to no success. I then re send prepared a package and it was send out various times. The person who confirmed receipt of this package was XXXX XXXX at Rushmore loan management.. 
I continue to look for a job became sick and had no other alternative than to request social security income and asked for my son to move back home. 
I explained to the bank that my son had moved in with me and he is now a contributor. 
On XXXX XXXX XXXX I was told by Rushmore that I no longer had a loan modification and that I had a sale day of XXXX XXXX.. I said when this this happened. XXXX XXXX said well it just pop up. You only have 37 days so we can not review the file. 
I reside in this home. I want to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TCF NATIONAL BANK
State: FL

Complaint narrative:
ON XXXX/XXXX/XXXX GATEWAY ONE LENDING APPROVED A AUTO LOAN FOR {$28000.00}. THE AUTO WAS INVOLVED IN AN ACCIDENT WHERE IT WAS PAID OFF BY XXXX XXXX AND US WARRANTY ( GAP INSURANCE ). 
GATEWAY ONE LENDING HAS REPORTED THE ACCOUNT AS A CHARGE OFF ACCOUNT. IN THE CREDIT REPORT IN THE REMARKS SECTION IT REPORTED " UNPAID BALANCE CHARGED OFF '' FOR {$5900.00}. I CONTACTED THEM AND THEY SAID THAT BECAUSE THE US WARRANTY PAID LATE THAT THEY REPORTED THE CAR LOAN AS A CHARGED OFF. I STATED TO THEM THAT I MADE MY PAYMENTS UNTIL THE CAR WAS PAID OFF. I HAVE TRIED EVERYTHING TO GET THIS RESOLVED BUT NEITHER GATEWAY ONE LENDING, US WARRANTY, OR XXXX HAVE A CORRECT ANSWER OR SOLUTION TO THIS PROBLEM. 
THE LAST PERSON THAT I TRIED TO CORRECT THIS PROBLEM WITH WAS A : XXXX XXXX, XXXX. THIS REPORTING IS AFFECTING MY CREDIT SCORE AND I HAVE ALREADY LOST XXXX JOBS DUE TO THIS INFORMATION. THIS IS NOT FAIR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
I've had this car auto loan for two years and been doing fairly well with making payments at timely fashion and I just don't feel with two years worth of payments aren't going to my principal rather to the interest rates... this past year along I struggled because I don't know why every month my payments almost doubled than the typical amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello Sir/Madam I would like bring up an incident that happened at Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. XXXX lockers were burglarised inside the bank strong room. When I entered along with banking personnel, the lockers were in wrong position and XXXX XXXX also acknowledged and opened and found XXXX lockers were open, My locker numer XXXX is emptied except documents. A XXXX complaint XXXX is registered. I have lost valuables worth several XXXX dollars specially valuable items from my marriage, kids ornaments and wife jewelry. XXXX is reported in local media as well https : XXXX Bank XXXX XXXX XXXX tried XXXX divert the case by giving false reasons such as construction. 

Bank locker agreement is responsible for XXXX XXXX In this case bank has been completely negligent and have false practices and bad banking people looting the customers. Also they specially targeted XXXX and a classic case of XXXX profiling. 

Bank now says we should contact local PD and bank is not going to discuss on this subject. 

We would need your help to get bank to the task and seek answers to how and when they can contact us to pay for it. 

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
Consumer complaint received 2017-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is a follow-up to a previous CFPB complaint. I had applied for an XXXX XXXX credit card but ended up getting a XXXX card instead. In response to my previous complaint, Bank of America responded that I only need call customer service to request a product change to the correct card. I have attempted to do this multiple times now and keep getting told that this is not possible. I do not want to apply for a new card - I want my card converted into the type of card I originally applied for.

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 2017-09-20 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: CA

Complaint narrative:
XXXX/XXXX/XXXX I was not notified by a friend to log in at Equifax to find out if I was XXXX of the people whose information was hacked at Equifax. After logging in last night at Equifax and learning my information was compromised I spent the whole day on the phone and online trying to get information and get a credit freeze. First I tried the phone- hours and no getting through. Online at Equifax there was a continuous loop of going nowhere. The online questions about my past phone numbers that I could not remember blocked me out from freezing it online at XXXX. I was only able to freeze my credit with XXXX XXXX. XXXX response if non-existent. I have spent the entire day so far trying to freeze my credit. Why is this all on the consumer? The stress of having all my information hacked with no help is infuriating!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
After the XXXX scandal, I went on line on XX/XX/XXXX to freeze my credit report with XXXX, Experian, and XXXX. I was able to successfully freeze my reports for both XXXX and XXXX. However, at the end of the on-line Experian process, the Experian site and only Experian site, displayed a page instructing me to " upload documents ''. They did not specify which documents. Unless I completed this section, I was unable to freeze my credit report with Experian. Today, XX/XX/XXXX, I called their number : XXXX for assistance. The person I reached knew nothing about this " upload documents '' issue. I told her that many other people have reported the same problem. I asked to speak to a supervisor and was told that, to do so, I would have to wait at least fifteen minutes ( probably longer ) to speak with a supervisor. I told her I did not want to have to report this to FTC and wanted to resolve it with a supervisor instead. Again, she said I 'd have to wait on line for 15 minutes.
Since this is not something either of the other 2 credit reporting agencies are requesting, I think FTC should intervene and protect the millions of people who are trying to protect themselves by responsibly taking measures. Thank you.

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 2017-09-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
On XXXX XXXX I called Capital One for my balance due and immediately made an XXXX from my checking account for the full amount of {$8900.00}. I now have gotten a statement charging me and additional {$14.00} in interest. I called Capital One and was told I would have to pay that interest because I did not ask to speak to a representative and ask for the " pay off amount ''. At no time do they ever advise you of this when you call in nor do they have the option of pay off balance only balance due. When I pointed this out to the representative she informed me that I would still have to pay the additional amount. Being that their call in did not offer the correct information or option to pay the bill in full I do n't feel I should have to pay the additional amount.

Company response to consumer: Closed with explanation