vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen loan servicing has credited and debited amounts of 1,500.00 plus more than 20 times in a month. I have called their office several times asking for an explanation and they just stated that someone made alot of mistakes. I need a specific explanation of each credit and debit on my account for the months of XXXX and XXXX 2017. I received a call from my representative assisting with a modification from ocwen and he left me a message to call him back. I was advised that my modification was denied due to the paperwork being incorrect. I need a clarification of why and what was wrong with the agreement. I also need to know why HUD was advised that my modification was approved and finalized when on my account it still shows as me being behind and not being modified. I contacted the office of the ombudsman several times and was told they are working on it and it has been over 30 days that they received the modified papers back with my signature. I need the Administrator of the office of the ombudsman to contact me in regards to this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax had the IT breach that everyone has herd of. We ( me, wife and three daughters ) contacted Equifax and were instructed to use the web site to see if our info was part of the hack. My wife and I were told we were and should individually apply via the website for their TrustedID Premier credit monitoring which would be free for at least one year. We did so and as you finish the site says you will receive further info to complete your registration by email in 3-5 days. Six days latter ( yesterday ) I received the email. My wife has not yet received hers. When I open the email it tells you click on the link and follow the instructions to complete you activation of the TrustedID Premier account. The link does not work. Each time I tried yesterday and today I get an HTTP 500 ERROR. There is a provided phone number ( XXXX ) for questions which I have called. A lady whom I told about my experience, She said she would need to verify my identity before she could proceed. After asking the usual question : name, address and SS # ; she then started asking about credit cards, bank accounts, mortgages etc. that I had including balances and payments, opening and closing dates of past accounts, etc. I told her that my wife does all of the bill paying and I do not know balance and payments and also informed her that except one credit card each everything was in both names. She asked about past accounts and who they were with. After telling her again that not even my wife would know the specifics about every account we had ever had. she told me that she could not then verify my ID and she could not help me. I asked about getting another email with the verification link to if that would work and she that is not possible and I could keep trying to use the link I was sent or I could research and get all of the info she required. I do not know of anyone that has a complete record of there entire financial past. I am almost XXXX and started my first business at age XXXX which still exist and own or have owned 5 other companies. I have lived in at least 7 states and try to use local banks when there I have had dozens of account over the years. I did not need this much ID verification to get a securities license or visit the Oval Office. Is this just a way around providing the advertised service?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: Retention Consulting Services Inc.
State: IL

Complaint narrative:
Myself ( via cell and work # ), my brother, my uncle, and my ex-boyfriend were all contacted on the same day from the " prelegal '' department of the XXXX ( XXXX XXXX XXXX ). None of these people are my " references '' on any debt that I have. All of us were left with messages stating that he was calling from the " prelegal depeartment of XXXX '' and that there were " two allegations pending against your name and SS # that has been redflagged. Also we do need a statement back from XXX about these legal documents. '' When I called the #, I spoke to a different person who indicated that they were calling in an attempt to collect a debt from XXXX ( a predatory, unlicensed payday lender in the state of IL ). XXXX provided me with an {$800.00} loan, changed the agreed upon APR ( to 390 % ) without my consent, and when I contacted them to resolve the matter, the " relationship '' consultant was never " available ''. I spoke to an attorney who sent them a cease and desist letter on my behalf AFTER I paid the original principal back on the loan. This company, XXXX, had no permission to contact any of the people they contacted, and they disclosed information that breaks the FDCPA by claiming I owe amounts that I do n't owe and claiming that they have " legal '' documents. They also indicated that they had sent me notices via USPS on two occasions and then certified mail on a third occasion, and this absolutely did not occur!

Company response to consumer: Untimely response
Consumer complaint received 2017-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I paid Citi Bank XXXX XXXX AAdvantage credit card approximately {$37000.00} so I could use the card to pay some medical bills and their website said the funds/credit line was there to use. Every time I tried to use the card the charge was denied. I have spent four one hour phone calls with them and they still have not resolved the issue. They are holding my money hostage.

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 2017-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX, I made a purchase with XXXX for {$1200.00}. this purchase included a 3-night hotel stay and 4 airline tickets for a direct flight from XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX. I paid about {$150.00} more per ticket so that I would have a 50 minute direct flight due to my sisters medical condition. No one ever notified me about the cancelled direct flight. When I arrived to the airport they told me that my flight never existed. ( So I basically paid for an imaginary flight ) Then they told me that they notified me in XXXX. And rudely said sorry and offered me to send me out of state and then back to XXXX XXXX. Mind you I paid for a direct flight that was going to take 50 minutes. I spend hours waiting, and completely ruined my vacation trip and this flight that was supposed to take 50 minutes took 7 hours. I contacted XXXX and XXXX both gave me the run around and lied about the times they supposedly notified me of the cancelation. and rudely told me they could n't help me. I felt completely hopeless and contacted my credit card company since I felt confident they could help me. I have provided them with everything and all proof I have. They have closed my investigation and told me there is nothing they can do and to contact XXXX who never wanted to help me in the first place. I have provided them with all the proof, flight that was booked, new flight tickets that they gave me because they did provide me with a flight, but they never returned the extra money I paid for a direct flight. My argument here is that I paid extra for a direct flight and I did not get a direct flight. I paid extra for a 50 minute flight due to medical conditions and this was not honored. I want the difference I paid for the direct flight. At this point I appreciate any monetary help because {$1200.00} is a lot of money and I incurred medication expense costs because of the anxiety this brought to my sister for flying for 3 hours.

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 2017-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
Despite several disputes and complaints, United Revenue Corp is still reporting false information. My previous complaint requested full debt validation, such as signed paperwork from me that I owe this debt. The company has sent me several bills ( attached to this complaint ) and saying it 's valid but have not provided proof of debt. A bill is not proof of debt. To my knowledge I 've never had business with this company. Please provide VALID PROOF of debt, such as a signed contract by me, date of service, and breakdown of bill, only then I will negotiate a settlement.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been disputing the accuracy of a filing of a bankruptcy file # XXXX for about 6 months now. With a lot of hard work and determination I was able to have XXXX and XXXX remove this wrongful reporting that has a very negative impact on my credit. They removed this information back in XXXX andXX/XX/XXXX. However, no matter what I do, Transunion continues to fight me on this no matter what I do. 
I resulted to disputing it with XXXX which is who TransUnion informed me they recieved this public information from. I have finally received a notification from XXXX. 
DatedXX/XX/XXXX, a letter from XXXX, their file number- XXXX, clearly states this : After a reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the FCRA , and subsequently removed this record from your lexis nexis risk view report. 

Therefore, this information must now be removed from my XXXX report!!!! I have since faxed this information 4 times, sent via overnight USPS mail with return receipt and each time they are claiming they are not recieving this information even though I have confirmation of each thing I do. I have called in atleast 4 times every single day and have filed 3 open disputes. I even went so far as to ask XXXX XXXX to contact them to remove this false information from my report. 
I need help. please assist me in revolving this matter.

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 2017-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I am a victim of identity theft. My American Express credit card account : XXXX has been compromised. My card is lost/stolen. There is only one authorized and valid charge on my account that belong to me, and that 's from XXXX XXXX, 2017, XXXX XXXX XXXX at XXXX, MN for {$1000.00}, the rest of the transactions are all fraudulent, unauthorized and do n't belong to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP
State: NC

Complaint narrative:
We are applying for a Reverse Mortgage. We have a current mortgage closed inXX/XX/XXXXwith First Guaranty Mortgage which is being serviced by XXXX XXXX XXXX. When the underwriter processing the new Reverse Mortgage pulled our credit, something odd came up on the report. Under Mortgage History it listed a RERECORDED DEED dated XXXX/XXXX/XXXX for a mortgage amount exactly the same as our original principal amount of {$140000.00}. However, the XXXX/XXXX/XXXX recording shows a Mtg. Term of 28 years rather than the 30 years on the original mortgage. 

This entry on our credit report caused the new underwriter to request written verification that this latest entry is in fact a rerecording of the original mortgage deed and not a new or additional mortgage. Seems pretty straight forward, but neither First Guaranty Mortgage nor XXXX is responding. I received an initial response from XXXX XXXX at First Guaranty that he was communicating someone at XXXX ( indicating that XXXX must have filed the rerecorded mortgage deed ). I initiated communication with XXXX XXXX on XXXX/XXXX/XXXX, received a voice mail message on XXXX that he was in contact with someone at XXXX, but XXXX did not tell a name or give me any contact information. Since that date I have been unable to reach XXXX or get any return calls to my voice mails. 

WE NEED SOMETHING IN WRITING EXPLAINING THE RERECORDED MORTGAGE DEED TO THE SATISFACTION OF OUR CURRENT UNDERWRITER. 

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 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Today is XXXX-2017. I have been a victim of identity theft already. 
I am included in the Equifax security breach. I have tried unsuccessfully for days to talk to someone at Equifax. If I do get a person, they take the information and say I will get an email with a number for identification. I never get an email. I want to put a credit freeze on my account. If you go to the website and try to put in a credit freeze, it gives you an error message that 's says, we are sorry, we have run into a technical problem. Please try again later. If problem persists, contact customer support. When I call customer support, they either put you on hold for long periods of time and then hang up on you or they say due to the high number of calls, please try later. This has been going on now into the second week. Equifax needs to address these problems and assist the people that have been impacted by their data breech. I have been dealing with identity theft for 2 years now. I all ready have a fraud alert on all my accounts but I want to put a credit freeze on them. The impact of this breech needs to be dealt with in a timely manner. Stop hanging up on customers, stop giving them a time limit of when they should be getting an email that never comes, stop transferring the calls to someone else, stop sending them to a website that never accepts your personal information and just tells you there has been an error. I worked for XXXX XXXX in XXXX until retirement. They need to do their jobs and hire more people if required to, be more understanding of those of us who have all ready been dealing with our identity being stolen and get the job done. Equifax has failed in every aspect of its job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am in the process of trying to get my credit report pulled by my mortgage company in order to start the process of buying a home and have already had issues with my bank getting my credit information and scores from Equifax and was told by the bank there must be a freeze on the information. I contacted Equifax several months back around XXXX to find out what the issue was with my bank unable to pull my information and originally was told there was not a freeze on the account but that my old address was still reporting and that was causing the issue. We attempted to have the mortgage company pull the report again using my address from 3 years ago but they still could not obtain the information. Customer Service with Equifax told me to fax my information to their Dispute Dept which I did but received a letter less than a week later stating my information was not readable and to mail a copy of my DL, SS, Rental Agreement and any other supporting documents to their XXXX address. I mailed all this plus a copy of my most current Credit Card statement in color copies to their dispute department via USPS non-certified in order to try to speed up the process and get my current address updated. I just received another letter back from them stating my information does not match their records and again to send all this information to them. I do n't know what other information I can provide as I have provided them with everything that they require plus some to verify my identity and this is now costing me even more time and money to fix their lack of properly updating my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested my equifax free anual credit report. Received a " request for proof of identity '' which I replied back ( I believed a normal procedure cause it 's a new account ) including my SSN and a bill for address proof. 
Received 15 days later two credit reports ( with a submitted date difference of one day between them ), the first 14 pages, the second 18 pages. 
the second one ( dated one day later ) explicitly said on the first page : " We are please to let you know that the results of the dispute you recently filed with Equifax '', which I never did, it 's my first credit report.
The following personal information was inaccurate on both reports : last name, DOB. 

Opened a dispute online, got a confirmation number valid to check till XX/XX/2017, and ca n't check status on the webpage ( https : //www.ai.equifax.com/XXXX ) not responding and over the phone with an " unable to check the status '' msg. I tried every day since I 've got the email confirmation about the dispute resolution ( XX/XX/2017 )  with the same results. 
Got denied at least 4 times from different financial institutions that get the reports from Equifax probably cause of this inaccurate information. This is impacting in my credit and financial ability and I have no response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I own my home in Florida ; recently affected by Hurrucane Irma. I was told by a FEMA rep that mortgage companies were offering a 90 day forbearance on mortgage loans and that it would extend the loan by 3 months with no penalties. However ; Bank of America will gladly give 90 day forbearance but then wants all 3 months of payments paid at once when 90 days are up. How in the world does that help anyone? If we were hit with a natural disaster and do not have the money now ; why would I have 3 months worth at once? Every other institution is allowing an extension on the loan ; added 3 months. Bank of America is not helping victims at all.

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 2017-09-18 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Actually not trying to close the card, American Express Travel Services, issuer of my XXXX XXXX XXXX XXXX XXXX, closed it without warning several months ago. I 'm actually trying to get the card re-activated, or at least get my balance returned. 

One day a few months ago I went to log in to the account, which I had been using trouble free for some time, to find a message saying my account was suspended. I immediately called customer service, and was told that there was an investigation going on regarding " possible fraudulent activity '', and while I was n't being directly accused of anything, my card may have been involved, and so the account had to be suspended. I inquired as to how long this " investigation '' was going to take, and was told it could be several weeks to a month or more. 

Well, in the months following I have placed numerous followup calls to customer service, only to be told the same story, with no resolution or end date given for their investigation. When I asked how I could escalate my issue, as I need the card, I was told I would have to write to their fraud department, was n't given an option to call them. 

This has gone on way too long with no resolution, so someone mentioneed I could contact this office for possible relief. I was in no way conducting any sort of fraudulent activity, and doubt that anyone I conducted bill-paying or any other activities were engaged in anything fraudulent whatsoever. 

Thanks very much for anything you can do, XXXX XXXX

Company response to consumer: Closed with monetary relief