vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
XXXX XXXX have a problem that should not be in place at this time. Over a year ago I inherited a house I currently live in from my brother-in-law. After his death, I honestly thought that I could afford a single family house in my 70s. The attached correspondence will  prove that I have been in a modification position since last year. I have submitted every document requirement requested by Franklin American Mortgage Company. However, this financial institution  filed a foreclosure action a XXXX old XXXX woman without considering her rights under the Fair Debt Collection Practices Act. I plan on filing a discrimination lawsuit unless this matter can be rectified quickly. I realize that my age has made things difficult, and I need to close out the estate of XXXX XXXX. However, I make the following alternative to the pending modification and illegal foreclosure process : 1 ) I will agree to sign over a deed-in-lieu to Franklin American Mortgage Company within the next 20-days, and agree to leave the premises known as XXXX XXXX XXXX, XXXX, MD XXXX within a reasonable time period. 
2 ) I will accept {$7500.00} moving expenses disbursement after an inspection shows that I left the premises in move-in condition. 
3 ) I will agree to sign off on any potential lawsuit pertaining to the current situation. 
I would appreciate that the following attorney be contacted pertaining to the preparation of documents : XXXX XXXX XXXX XXXX. XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX ) XXXX Thank you for your consideration in this matter and please respond back as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN

Complaint narrative:
Dear CFPB I asked your department to take action On XXXX   credit reporting agency for Fradudelent activy on One 's credit report. OneMain account XXXX has been closed Since XX/XX/XXXX But XXXX went into my credit file and changed Information on this account and made it as a charge off account. I just find this to be so hard and disturbing knowing that a credit reporting agency could do something like this. the FCRA is for fair credit reporting but this act of fraud that XXXX is committing is unexceptable this is a act of Forgery and something needs to be done about this I caught them red handed for these people are making billions of dollars selling consumer 's information CFPB see File for factual Proof that this tradeline was Tampered with because XXXX acted in a Hurry if you take Note they acted so quickly they forgot to add the payment calendar in Most Fraud situation someone always leave a paper Trail and that exactly what XXXX did. I added OneMain to this as well But I know they had Nothing to do with this! due to the fact the other two agencies this account is reporting correctly.But i do want Onemain to let me  know the status of this account XXXX is reporting as a charge off. It's XXXX Doing I know this for a fact. Onemain I would asked of you to please go in and delete this erroneous account information on XXXX report XXXX has no credibility and or No trust from me! Obemain please let myself and CFPB KNOW HOW THIS ACCOUNT SHOULD BE REPORTING I KNOW IT WAS CLOSED IN XXXX not sure how in the XXXX this account came into Play now it's XXXX Again this is Not Onemains Fault what so ever! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SAMUEL I WHITE PC
State: MD

Complaint narrative:
XXXX XXXX have a problem that should not be in place at this time. Over a year ago I inherited a house I currently live in from my brother-in-law. After his death, I honestly thought that I could afford a single family house in my 70s. The attached correspondence will prove that I have been in a modification position since last year. I have submitted every document requirement requested by XXXX XXXX XXXX XXXX. However, this financial institution filed a foreclosure action a XXXX-year old XXXX  woman without considering her rights under the Fair Debt Collection Practices Act. I plan on filing a discrimination lawsuit unless this matter can be rectified quickly. I realize that my age has made things difficult, and I need to close out the estate of XXXX XXXX. However, I make the following alternative to the pending modification and illegal foreclosure process : 1 ) I will agree to sign over a deed-in-lieu to XXXX XXXX XXXX XXXX within the next 20-days, and agree to leave the premises known as XXXX XXXX XXXX, XXXX, MD XXXX  within a reasonable time period.

2 ) I will accept {$7500.00} moving expenses disbursement after an inspection shows that I left the premises in move-in condition.

3 ) I will agree to sign off on any potential lawsuit pertaining to the current situation.

I would appreciate that the following attorney be contacted pertaining to the preparation of documents : XXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX   XXXX ( XXXX  ) XXXX Thank you for your consideration in this matter and please respond back as quickly as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN

Complaint narrative:
Onemain I'm so sorry with all the complaints It's Just I have disputed this information with the Credit agencies so many times But they keep claiming that you verified the account as correct. But I beg the diff this is why so many disputes Per the FCRA a charge off should not report missed Payments XXXX Missed payment Please delete this account ASAP Due to fcra violation late payment for XXXX / XXXX / XXXX / XXXX of XXXX also XX/XX/XXXX This CAN NOT Report on the consumer credit files please delete from all three reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: TX

Complaint narrative:
On XX/XX/XXXX, I was alerted to possible identity theft by receiving a letter in the mail from XXXX XXXX for an account opened on XX/XX/XXXX with them. After reading the letter, I realized it was financing for a XXXX XXXX purchase. I contacted the XXXX XXXX on XX/XX/XXXX and informed them of the fraudulent purchase. They contacted XXXX XXXX and I spoke with them while they begin their investigation. This prompted me to freeze my credit report and place a fraud alert with Equifax, XXXX, and XXXX which I did successfully. I then pulled my credit reports with them and noticed inquiries that I do not recognize on each of the reports. 

I called the numbers for each of them and they were unable to help me dispute an inquiry, only to dispute an account. I believe I am a victim of identity theft and need help removing these fraudulent inquiries from my report which are detailed in the resolution section of this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
COMMONWEALTH FINANCIAL XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX This company continues to report inaccurate and unverifiable information to my report. I have noticed an account with a balance of {$910.00} reappearing with changed information. The company continues to change the date opened on the account so it appears recent. The account is currently reporting the account to be opened XXXX 2018. I have seen the date change many times. The account is in collections on my report but reporting as Open. I have requested this account to be removed with the company with no progress or response. This is a violation and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
Request via online credit for a XXXX expense credit card was denied due to unverifiable application information in reference to unsuccessful download of my driver license. I called the creditor on XX/XX/2019, for assist in remedy and the creditor informed me that their policy does not provide an alternative to submit proof of identity regardless of my suggestion to either via mail in or fax necessary documentations to prove identity. The before mentioned is not a fair business practice due to me taking a negative credit inquiry in my credit file when their decision to deny me credit is not in basis of my credit file.

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 2019-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was alerted to possible identity theft by receiving a letter in the mail from XXXX XXXX for an account opened on XX/XX/XXXX with them. After reading the letter, I realized it was financing for a XXXX XXXX purchase. I contacted the XXXX XXXX on XX/XX/XXXX and informed them of the fraudulent purchase. They contacted progressive leasing and I spoke with them while they begin their investigation. This prompted me to freeze my credit report and place a fraud alert with XXXX, XXXX, and Transunion which I did successfully. I then pulled my credit reports with them and noticed inquiries that I do not recognize on each of the reports. 

I called the numbers for each of them and they were unable to help me dispute an inquiry, only to dispute an account. I believe I am a victim of identity theft and need help removing these fraudulent inquiries from my report which are detailed in the resolution section of this request.

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 2019-06-02 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: TX

Complaint narrative:
On XX/XX/2019, I was alerted to possible identity theft by receiving a letter in the mail from XXXX XXXX for an account opened on XX/XX/19 with them. After reading the letter, I realized it was financing for a XXXX XXXX purchase. I contacted the XXXX XXXX on XX/XX/19 and informed them of the fraudulent purchase. They contacted XXXX XXXX and I spoke with them while they begin their investigation. This prompted me to freeze my credit report and place a fraud alert with XXXX, Experian, and XXXX which I did successfully. I then pulled my credit reports with them and noticed inquiries that I do not recognize on each of the reports. 

I called the numbers for each of them and they were unable to help me dispute an inquiry, only to dispute an account. I believe I am a victim of identity theft and need help removing these fraudulent inquiries from my report which are detailed in the resolution section of this request.

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 2019-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: UT

Complaint narrative:
On XX/XX/2019 I called the mortgage company to ask what I needed to do, and what amount I needed to pay to have my PMI taken off. I was told to submit a request in writing, which I did.I then called them on XX/XX/XXXX to check on the status and was told that my question was at the PMI department. I had the money at the time to pay down the mortgage to what ever their requirement was. I was sent a letter two weeks later stating that I did not meet the loan to value requirement. No kidding, I know this. When initially had called I asked specifically what that dollar amount was. They could not tell me. In XXXX I called again to ask the same question. I was told that once I met 80 percent of the load to value the PMI would come off. It would show on my XXXX statement but not my XXXX statement that had a due date of XX/XX/XXXX. My XXXX statement still showed the PMI. The next day right around XX/XX/XXXX I receive a letter stating that while I meet the loan to value ratio I need to send them a check for XXXX dollars to have a BPO to insure that the value of my home has not gone down. I mailed them a check which cleared on XX/XX/XXXX. I called again on XX/XX/XXXX to inquire where we were at with the BPO. It had not been ordered until XX/XX/XXXX. I was then told that the matter was escalated and that someone should call me by Tuesday XX/XX/XXXX. I received an e mail stating that someone should call me in the next three business day. These dates have come and gone. I have been calling repeatedly to find out what I have to do to drop the PMI. I have been told something different every time I call even though I am supposedly speaking to a supervisor. They in turn file with the PMI department who sends me a letter two weeks after the fact thus ensuring I have to pay ANOTHER months PMI. I still have heard nothing concerning what the BPO stated and I am now at 78 percent of the loan to value. They have repeatedly stalled and not given me the information I have been asking for. I could have paid the load down the 78 percent in XXXX if I had been told that this was the best way to do it. The way i see it I am out four months worth of PMI XXXX and the XXXX that i sent for the BPO and I still have not received any information stating what exactly I need to do.

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 2019-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Keep getting same call from Capital One saying call back we have important information for you That is all..every day same call My credit bill is fully up to date I am being harrassed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: IL

Complaint narrative:
I have a loan that is currently in repayment. Conduent was the servicer. I attempted to login to make a payment and a new message came up that states that Conduent is no longer the servicer and to contact the new servicer. I was never informed by mail, email, phone, or otherwise that the loan servicer was changed and now I have no idea where this loan has gone. I believe the loan now has a balance of {$240.00}. Original amount was {$2000.00}. The loan was originally through the University of XXXX. I can not find any new servicers or Conduent on the XXXX. How do I find this loan and resolve this. I would like to pay it off so that it does not keep getting cycled through servicers. This was inappropriate to not inform me and risk my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2019, I used my American Express membership benefits to book travel through American Express ' portal. XXXX advertised flights to XXXX from XXXX for {$880.00} for 2 people including travel insurance. Before booking I checked the " Baggage Fees '' tab to see that the carry on and first checked bag showed " No fee ''. This made the advertised price a good deal, as it seemingly included baggage which if I had booked directly with the airline, would have cost me more money. I proceeded to book the flights with the insurance. 

On XX/XX/2019 I decided to check everything on XXXX XXXX 's portal to make sure all of my information is correct, and also to add in my passport information. I came to find that my booking had no luggage associated with it. This is when I initiated a call with American Express to find out what happened. The call started at XXXX and lasted 39 minutes, no extra information was able to be gained during this time and I was told to call back later. At XXXX I called again and spent 14 minutes on the phone explaining the situation before getting disconnected. I was called back at XXXX and spent 4 minutes on the phone being told that there is nothing that can be done and to essential deal with it, I asked to speak with a supervisor and was placed on hold before being disconnected again. This time with no call back, I believe the representative terminated the phone call. I reinitiated a call at XXXX which lasted 40 minutes. During this time I explained the situation once again and the representative connected me to a supervisor. This supervisor 's name was XXXX she explained that she has heard of this issue before in almost the same circumstances. I throughly enjoyed being assisted by XXXX and felt she actually cared about my situation. I told her I had a screenshot showing the no fee advertisement and she requested I send that to her which I did at XXXX. XXXX said she would file a case and attach the screenshot but warned me it could be some time before I heard back as I do not travel for 10 months, not a problem. 

On XX/XX/2019 at XXXX I received an email from another supervisor ( XXXX ) asking to resubmit the screenshot as they can not view photos when posted in the body of an email. I resent the screenshot at XXXX on the same day. XXXX emailed me back at XXXX stating that I can not be compensated at this time and that I must fly, pay for the baggage out of pocket and submit the invoice for review by upper management after my vacation, with no guarantee that I would be compensated. I replied at XXXX stating that American Express is false advertising and that I will be filing complaints with CFPB and the XXXX. 

That is the end of my correspondence with American Express over this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: USCB, Inc.
State: CA

Complaint narrative:
Despite filing a previous CFPB complaint XXXX XXXX XXXX continues to 1. Call me after I revoked consent to do so. 2.  Called me after I told USCB I am represented by an attorney. 3. After I told USCB that if they did call that I did not want to be recorded, but did it anyway. 4. I also told them to not use pre-recorded messages when calling yet they call and leave voicemails with one on my cell phone. I want this harassment and abuse to stop right away and I want USCB to contact my attorney listed below ASAP before the end of the day Monday. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
What the lady called on the phone I ask who this was she did not reply at first but then gave me her name but didn't give me the company and she work for I ask her again she just gave me the name she did not state that who she was calling on the behalf of what company until I get all my information out or confirm who I was this was very deceitful and I still did not know who I was confirming my information to it make me feel like I was giving my information to a scam artist or something I felt very uncomfortable doing the whole ordeal and I feel like I was being more pressure to pay this debt than ever so I just hung up I thought that when debt collectors call you that have to give you their name and the company name at the collecting for

Company response to consumer: Closed with non-monetary relief