vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I have talked to the agent I have went online to set up a payment they are calling 5 to 6 times a day plus sending emails I advised I was later off they are calling my old employer on XXXX/XXXX/17 they called me 5 times and sent 2 emails

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This is a complaint against AMERICAN EXPRESS, TWO INQUIRIES. DATE : XX/XX/XXXX and also XX/XX/XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
The company convergent is trying to collect debt from me when I all ready paid the account off.

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 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a complaint against XXXX XXXX, TWO INQUIRIES. DATE : XX/XX/XXXX and also XX/XX/XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

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 2017-10-31 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: CITIBANK, N.A.
State: FL

Complaint narrative:
This is a complaint against XXXX. INQUIRY DATE : XXXX XXXX am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

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 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
In XXXX XXXX we applied for a loan modification. All requested paperwork was turned in on a timely manner. In XXXX XXXX, XXXX we were told our income was not enough. Our income changed in XXXX XXXX, XXXX our income increased and proof was turned in. On XXXX XXXX, XXXX we were informed it was too late and a foreclosure was in process. We objected but were told it was too late in XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
I had paid a settlement with Portfolio recovery. They agreed to take everything off my credit report if it was paid. So I paid them on XXXX XXXX and now they are refusing to remove their info from my credit report. It was a recoreded conversation. I want this removed due it its been paid and it has a XXXX balance now. I have talked to them several times about deleting this and they refuse even though that was the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is a complaint against XXXX card, XXXX. Inquiries date : XXXX XXXX and also XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payments on the following dates : XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: CA

Complaint narrative:
XX/XX/2017 Amount of Interest Charged= {$27.00}. No Action taken by Credit Card company. 

My XXXX XXXX XXXX Card was paid in full and Credit Card company not willing to credit excess or fore say extra interest on my account. They just assumed this is the way to make money and did not offer any courtesy credit for loyal customers paying off there credit cards. Very deceiving as I thought paying off my credit card means XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened up an account with simple bank on XXXX/XXXX/XXXX. I then need to update my address on XXXX/XXXX/XXXX. They asked for a selfie with my address behind me, which I gave them, then a photo with me holding my id and my address behind me, which I gave them, and this was exactly what there " options '' stated to give them to verify my residence. They then send me an email stating sorry bu we need more like a utility bill and a photo of my actual house. I told them I do not get bills in the mail everything is electronic and why would you need a photo of my house that is an invasion of privacy. They then stated that they could not confirm my new address even though my selfie with my address behind me matches my id photo I sent them, but that was n't good enough for them. So I then told them I want to close my account and they confirmed that on XXXX/XXXX/XXXX that my account would be closed. I then waited 3 weeks to find my account was still active and not closed at all. So once again I contacted customer service and they then returned to me that oh we ca n't close your account until we confirm your address. So for a week a went back and forth with them on how I followed all their regulations on how to confirm the address and even quoted there document on how to confirm an address where it stated on option 1, to take a selfie  with just your address behind you. The representative then replied saying oh I guess we need to update our regulations on our address confirmation and we still wo n't confirm your address. They literally decided to make up and change their own rules and regulations on me whenever they felt like it. So now I know they are pulling my string to take my identity because they have all my information and even selfie of me. It is wrong what they are doing and what bank needs a confirmation of a new address to close an account. They did n't even need to confirm my original address but they wanted to confirm my new address. My last conversation with them was on XXXX/XXXX/XXXX with them still refusing and I have kept all messages with customer service as proof even stating how they basically changed the regulations on me on their own accord. That is discrimination. I have reported them to the federal reserve and the federal reserve has stated they have now forward the report to the CFPB. Please help as I do not trust these liars as they are potentially taking many consumers identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: PA

Complaint narrative:
When I ( and my Mother, cosigner ) applied and received a NJCLASS loan in XX/XX/XXXX-XX/XX/XXXX, HESAA 's  website advertised " flexible repayment options. '' That led us to believe that NJCLASS was similar to federal loans that offered flexible repayment options. However, it was n't until the loans went into repayment in XX/XX/XXXX that we learned HESAA 's advertised " flexible repayment options '' referred only to the 3 repayment options HESAA offered when you first took out your loan -- Option 1, Option 2 or Option 3. I am drowning because they are terrible at customer service, availability of customer service ( the website is archaic and NOT helpful for submitting forms etc. ) Most of the time, sensitive information is having to be communicated via email " gmail ''!!! 

When I first applied to NJCLASS, I was denied and was advised I needed a cosigner. We called HESAA to advise we had no one willing to obligate themselves to this debt. The agent stated over the phone that if we chose Option 3 ( deferred principal and interest until graduation ) -the cosigner would not be liable for any payments because no payments would be due until my I graduated. And, when I graduated, HESAA would consolidate all of my NJCLASS in my name only, and the cosigner would be removed. We operated in that manner and when it came time to consolidate, HESAA denied my consolidation loan and advised he needed a cosigner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a complaint against XXXX card, XXXX. Inquiries date : XXXX XXXX and also XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

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 2017-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a XXXX XXXX checking account with BMO Harris bank online on XXXX/XXXX/XXXX under its promotion - " Earn a {$200.00} bonus after XXXX qualifying direct deposits of at least {$300.00} or more within 90 days of account opening. '' I have long met the terms of this promotion given I set up a recurring weekly payroll direct deposit of {$300.00} into this account since account opening XXXX first payroll direct deposit came in on XXXX/XXXX/XXXX, and it has been coming in on a weekly basis ). Today, I reached out to the bank 's customer service department through its online message center to inquire why I had n't received the bonus, and I was informed that because I 'm " living out of our footprint you do not qualify for the promotion. '' However, this geographical limitation was never part of the original terms.

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 2017-10-31 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: IL

Complaint narrative:
XXXX XXXX is still at misleading misrepresenting false debts that steam from identity theft charges.XXXX XXXX n written letters stated do n't pay this n that for months issuing checks but now asserts a different position n for charges XXXX  does n't owe the amounts n computer records of XXXX XXXX blacks out n was reported for breaches card thefts unlawful charges n other suspicious allowed activity vs my card n therefore ca n't charge me by retroactively changing its position after they thought the file was closed here I am opening up another one on them.730 $ + u kidding? when who? last time i checked bal XXXX that way it will remain misleading statements by a bank n it 's reps, is serious business .on identity theft relative charges nothing can be held vs me technically so all the debt must be discharged I 've written after the charge list card theft which I never got a replacement I asked XXXX XXXX  stop contacting me in writing it still continues anyhow I should n't have to pay for a card to a Non licensed, debt collector for a bill I have n't not used or ordered, other than cheating n deceit XXXX XXXX  even attempts to erase payments made for months during their computer crash '' breaches which were FTC reported that is which causes even further harm on the aspects of failure to notify non " verified orders were being made by people yet XXXX was being accounted as oweing then not oweing then oweing, XXXX XXXX has confused me yet again which is why Americans  should deal with the customer service part we would n't have mixupslikethis, ivdont owe XXXX XXXX XXXX  anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is a complaint against Chase Bank XXXX, XXXX. INQUIRIES DATE : XXXX XXXX AND ALSO XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
My family includes an XXXX individual, and we get paid for taking care of them by the State of Washington. Earlier this year, they switched the way they handled payments from once a month to twice a month, and in addition to this, we had some issues with the caseworker responsible for the XXXX individual, because of this, we got behind in our mortgage with Select Portfolio Servicing, and they refused to take anything but the full payments that were late. They denied the loan modification, but in the meantime we discovered a way to provide proof of more income we receive per month, so we appealed it. We submitted the appeal paperwork in XXXX, and they confirmed they had received it. In XXXX, we received a notice of default taped to the front door, and we learned that they had scheduled the foreclosure auction for XXXX of 2018. Since then, we 've been getting pressured by realtors arriving at the house and talking us into a short-sale, which we 're proceeding with, because we do n't feel we have many options. In some cursory searches on the internet, I believe this is what 's called " dual-tracking '', which was restricted by Dodd-Frank. Is my assessment of the situation correct? 

I can provide documents if necessary, but they 're not within easy reach as I 'm typing up this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
My home was sold in the XXXX XXXX XXXX sale on XXXX XXXX, XXXX. I understand that the property is no longer owned by myself and I am aware that I must vacate the premise. 
I made several calls to Nationstar mortgage inquiring about concessions regarding my move and time to pack up and vacate the premise as I have been residing in the home for ten years only to be told that there is no one to discuss this matter with. 
I am requesting a move out date of XXXX XXXX, XXXX as I need my son 's transition to be least disruptive to his life and educational stability. 
I have been in the home for ten years and it is the only home my eleven year old son has known. My request is significant and would be most beneficial for the educational and emotional stability for my son. My son has been diagnosed with a learning XXXX which prohibits him to transition as readily, easily and smoothly as others would normally. 

I would truly appreciate assistance from you regarding this matter as I prepare to restart my life after getting into debt and becoming bankrupt after trying for years to provide stability for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
This is a complaint against CITIZENS BANK. INQUIRY DATE : XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: FL

Complaint narrative:
Rgs financial sent me a letter stating that i owed them {$210.00} dollars on an account from XXXX XXXX. I have disputed this debt directly with rgs financial as well as contacting the original creditor ( XXXX ). XXXX states that i have a XXXX balance with them and do not owe any money. XXXX is still continuing to collect on an account that i do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a complaint against XXXX XXXX INQUIRY DATE : XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I have a previous complaint that is still in progress. I finally got a hold of the mortgage company Carrington Mortgage and found out what I needed to complete the loan modification. I waited for weeks and even tried numerous times to reach the company. Each time I was made to wait long periods of time. I am presently in a XXXX education program and I student teach so I can not afford to wait on the phone all day. When given the option to have a callback, I selected yes but no one calls back that day. I waited for more than a week until someone called. Unfortunately, I was in the middle of XXXX. Finally today I got a hold of someone. They told me that all my paperwork was in but that I missed the deadline. Not once was I told about a deadline. Even if there was, I think that it is very unfair not to be give the information I need to complete the file. Then I am penalized for being late due to the company not answering my call or even calling me back. This is ridiculous and is not professional in my opinion. I need this situation escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: FL

Complaint narrative:
I am the victim of identity theft. Someone stole my identification and got medical services. Those medical services were never paid by the perpetrator and is showing up on my credit reports. Equifax is blatantly disregarding my rights by law and willfully neglect to make my credit report accurate. By law, the Credit Reporting Agencies must block fraudulently opened accounts from appearing on my credit report, according to the FCRA Section 605b. The consumer reporting company has four business days to block the fraudulent information after accepting my identity theft report. On XXXX/XXXX/XXXX I sent by certified mail to Equifax a copy of my government issued Identity Theft Report detailing the theft of my ID and of the services illegally gained, a copy of my government issued Drivers License for identifying purposes, a letter citing FCRA 605b, and a credit report page showing the two accounts that were illegally gained. There are certain instances where a Credit Bureau can decide not to block the illegal information, however, I have surpassed all of the requirements to warrant a block of the accounts appearing on my report fraudulently. ( c ) ( 1 ) ( a ) I did not request this block in error. ( c ) ( 1 ) ( b ) There was no material misrepresentation of facts by me. ( c ) ( 1 ) ( c ) I did not obtain possession of goods, money, or services as a result of these illegal transactions. Not only did I surpass the requirements to lead to a successful blocking of the fraudulent accounts, I also sent in every item as required by law to do so. On XXXX XXXX, XXXX, I got a letter from Equifax stating that they will not block this fraudulent information, and they did not give me any specific reason as to why. Why is Equifax openly violating my civil rights and failing to follow the law? I am suffering mentally, physically and financially over Equifaxs ' handling of this matter.

Company response to consumer: Closed with explanation