vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-22 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: MA

Complaint narrative:
Equifax credit reporting was hacked in Massachusetts. As a result my credit information has been subject to unauthorized release of credit information as well as potential credit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: NY

Complaint narrative:
I have an unauthorized inquiry on my credit report I did not give permission for XXXX XXXX XXXX to run my credit

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 2017-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Ocwen is my mortg. company that just in at best, the past 5yrs to date, I have had countless issues, paid my own way through escalated foreclosures that I had to hire an attorney as well as was awarded a very small " award '' & acknowledgment from the government 's Independent Foreclosure Review Board for their illegal practices that are still continuing today, XX/XX/XXXX. For over a month I have been yet another victim to their many tactics. XX/XX/XXXX, I contacted Ocwen regarding various mortgage options avbl. to me & the requirements for them to send me the modification packet as I requested. For the next month, as I followed up every week, Ocwen stated they never rcvd. the authorization from my attorney to discuss my acct., as required. After that point, my Atty faxed another letter on XX/XX/XXXX. Ocwen stated it takes 2-3 days to update receipt of paperwork so when I folliwed up XX/XX/XXXX, Ocwen stated my Atty. neglected to put my case # on the authorization that was faxed. They & my Atty. we 're immediately contacted to clarify & rectify the situation yet Ocwen insisted they still could not move forward until a new letter with the case # was faxed by my Atty. I followed up with both parties every 3 days & after speaking to Ocwen Monday of this week & after having choice words with my Atty, I was provided w/ a copy of the XX/XX/XXXX letter they faxed to Ocwen that low & behold, has all the info. I was instructed by Ocwen needed to appear, including the case #! On XX/XX/XXXX, When I confronted Ocwen with my Attys. proof of the letter, I was then told, yes, it dies have the case # they spent a mth. was not included, but now stated the wording in the authorization also did not suffice, prompting my Atty to have to submit yet another letter faxed XX/XX/XXXX. Ocwen has instructed me to check back w/ them on XX/XX/XXXX to confirm their receipt of the letter & see if it allows me to receive the modification documents as I requested.

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 2017-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have 8 credit cards that falls under synchrony financial. Last year sadly to say I was laid off of my job that I had worked for 17 years, this made time a little hard but never the less I have never missed any of my credit card payment for none of my cards even cards that do not fall under synchrony. Synchrony has continued to run my credit reducing my credit limits to what the balances were until they were paid off and then closed the accounts. while I have continued to work hard to increase my score back up by snchrony continuing to reduce my limits to what the balances are, shows the credit reporting companies that my cards are maxed out, which they really are not. This drops my score and then when they close my accounts that also drops my score instead of my scores going up they are contributing to my scores going down. My score will not increase with the way they handle accounts.If I was ever late or not paying my bill that would be one thing but when I am faithfully making my monthly payments that is awful. This is not fair to consumers. I would rather close all my accounts and never do any business with another business that supports synchony. Instead of shopping XXXX I will show XXXX XXXX and etc. This is really bad business and really hurts there long loyal customers. And for the record my score did not drop because I do n't pay my bills its because I have to much credit and after my layoff I was only able to pay the minimum on most of my cards but now that I have started back working I have been working to get all my bills paid off so my score will increase back.

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 2017-09-22 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: CA

Complaint narrative:
After the massive cyber attack that released millions of citizens ' personal data to an unknown source due to the Equifax 's neglect and mismanagement of operations for their own personal benefit, I am appalled to see that the Company is stonewalling facing their responsibilities to mitigate damage to the people they have endangered, and that our elected officials are allowing this. 

Equifax announced that they would allow people they placed at risk to place freezes on their account at no charge. BUT, after trying to place the freeze on two different days, I repeatedly received a message : System Currently Unavailable - Error 500. 

This after I entered my social security number as required to place the freeze. The message goes on to list the names of other credit bureaus where freezes can be placed, ( but at a cost to the consumer ). Then it states : " Thank you for giving Equifax the opportunity to assist you, '' when, obviously, they provided no assistance at all in this critical matter. Are they so dumb or intentionally rude? 

Equifax should immediately be ordered to provide freezes for all consumers for all credit agencies at no charge, for as long as required to resolve this issue, using a protected and monitored methodology.. Americans deserve protection from thieves ; not just babble.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GU

Complaint narrative:
I called customer to discuss only changing my bill payment cycle date and doing a one-time online payment. Capital One took the liberty of putting both my accounts with them on auto-pay, so that they can deduct the monthly payments from my checking account each month themselves. I did not discuss or authorize both my accounts with Capital One to be put on auto-pay. This process cause my checking account to be over drawn by {$270.00} which included over draft fees charge by my bank XXXX XXXX Bank XXXX. My telephone call with Capital One was only a discussion of changing my billing cycle date, asking how to lower my interest rate with them and making a online payment. There was never a communications of giving them permission to access my checking account at anytime in the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: FL

Complaint narrative:
Without my consent, Equifax collect my private information and sold it without my knowledge or consent. They then released my confidential, private information to criminals who will use it to steal my identity. Equifax then tried to 'compensate ' my by 'offering ' 'credit monitoring. ' Equifax FAILED to even provide this 'credit monitoring ' in that they NEVER provide the promised e-mail so that I could register for this 'credit monitoring. '

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I was notified by XXXX XXXX XXXX that I had a student loan administered through XXXX XXXX ( XXXX XXXX XXXX XXXX ) This loan was serviced through AES which holds my federal loans. This was false as I never had a private loan, I only have federal loans. 

I contacted AES to ask for disbursement, debt verification and any other information in regards to this loan. I contacted XXXX XXXX XXXX XXXX to see if they have a record of my loan. 

XX/XX/XXXX, I filed an inquiry with XXXX and received a letter from XXXX XXXX stating that they will delete the listing from my credit profile due to fraud. It was deleted, however, the XXXX listing was on my credit file. 

XX/XX/XXXX I noticed that the XXXX XXXX XXXX  was on my credit report and I contacted them to ask for check disbursement, promissory note and a fraud packet. As I feel that it is a conflict of interest for AES to hold my federal loans and a fraudulent loan. They already have my signature on file and all of my information. 

I have not received a check disbursement. I did receive what appears to be a fraudulent student promissory note with crossed out information, jobs that I never worked at. 

I also filed a police report as well. I see that there is a class action suite settlement, how do I have my case considered

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
On XXXX I spoke with a representative at ext. 101 from National Credit Systems about settling the debt owed by a former apartment complex where I resided. The initial settlement offer was {$850.00} and I was waiting for approval so I could clear my debt. On XXXX, I received a call stating that the offer had been refused and I now have to pay {$1300.00}. Also, they would submit documentation stating to the credit bureaus to remove the negative item. As I went to accept the offer, I asked if they could provide a statement in writing. I explained to her that I did not feel comfortable paying {$1300.00} with no documentation. The rep refused. She exclaimed that they will never send any documentation and there is no reason to even go back and forth about it. Now I am stuck with this negative remark on my credit report and no way to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
complaint # 1 XX/XX/XXXX During the recession, I was unable to pay this account with American Express . The last payment was XX/XX/XXXX. The company and I have come to NO agreement or terms to settle this account nor have they offered to reopen in good standing. They have submitted reporting 5 years after last payment stating the account is closed and charged off as of XX/XX/XXXX. This is unfair to me and only reflects XXXX abusing the statute of limitations and 7 year consumer protection stating that any bad debt will drop off after 7 years. They are prolonging this by waiting 5 years to report. 

complaint # 2 Current XX/XX/XXXX XXXX erroneously and without my consent issued a payment plan that I had verbally declined on a phone call. I need recorder line records submitter by XXXX to prove I did not agree to these terms. I also never received the letter they attached to close the original complaint above. This account is well over the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I saw three derogatory marks on my Transunion credit report, all from XXXX XXXX XXXX, and disputed all three. Two of them were removed, but one of them was " verified '' as me. Then the website would n't allow me to dispute again, so I called Transunion. An employee there said a last name that was not mine was associated with my account, I asked him to remove it and submitted another dispute. Transunion then sent a letter stating there was nothing they could do. I 've also contacted the collections company, XXXX XXXX XXXX, several time and spoke to XXXX XXXX every time. I 've explained the situation and they 've remained unhelpful and asked me to submit a letter of dispute. I feel as though they used me to get false information, which they 've added to this person 's account. They also gave me a lot of information on the person to whom the medical bills actually belong, such as her phone number and address. I 've contacted the hospital that XXXX XXXX XXXX told me they received the bill from, and they 're working to rectify the issue. 

The derogatory mark is still on my account, it 's for a hospital collections in Utah, when I 've never been to Utah, or been in the hospital. I 'm concerned, as through calling around I 've discovered the person it belongs to has the same birthday and first name as me. Transunion was extremely unhelpful and I 've called multiple times. The collections marks have been on my credit since XXXX and it 's XXXX now with no resolution in sight.

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 2017-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
They are robbing people. I sought a XXXX loan and repaid it in a month, they have since charged me XXXX even though the loan was paid. I took a loan for XXXX and they mark me as owing over XXXX, I repaid the loan in a month and sure I could expect some early repayment fee or interest but this is insane and WRONG! Their website " my account '' is not accurate or transparent. Does not show what is really owed or pay off quotes. Their customer service is non-existent because they know they are stealing from you and being allowed to. Account opened XXXX XXXX XXXX for XXXX but claims a loan for XXXX XXXX XXXX I paid it back XXXX and they charged me on the XXXX XXXX, they charged me again XXXX XXXX another XXXX, and XXXX XXXX another XXXX claim I still have a balance of {$4500.00} for a loan of XXXX which I have now paid at least XXXX. I do n't want people to get ripped off I hate being screwed over and if there 's anything you can do to protect people and help people from shady lending practices here and other places then you 'd be doing a great service. I contacted Consumer Financial Protection Bureau before. I also contacted XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In order to establish a credit history when we moved back to the U.S, I obtained a {$1000.00} secured credit card with Citi Bank. I have n't been able to use the card after the third month. It 's been close to a year since I received the secured credit card. When we called the bank to inquire why my card was n't been accepted by business establishments, I was informed that the card had been canceled and that it could n't be reissued. 
Then we where informed that we would get our {$1000.00} back via regular mail within 6 to 8 weeks. three months latter, they have not returned my funds. 
I have been to the CITI branch three times and have not been able to get a response on what the problem could be. 
The bank has had my {$1000.00} for more that a year. The balance on the credit card is XXXX and as a result : Has not help me to establish credit history as was the original objective. 
I have no use of my own money because CITI wo n't give it back. 
They say that it will be in the mail, but three months latter, I still have not been able to get my money back. What can I do to resolve this problem?

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 2017-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
We have a sellers account with e-bay and when we sell something the money is transferred to our pay pal account. On XXXX/XXXX/XXXX we received an email from pay pal stating that a hold was put on our account and all monies were being held for 180 days. 
The reason given was that we violated our agreement with pay pal. First of all the sale in question was for {$18.00} and they are holding over {$1000.00} of our money. They are saying the product is in violation of their policy, We have never been given a list of prohibited products and have been selling this particular product for months without any problem from e-bay or pay pal. For this company to hold our money for 180 days is fraudulent, We have called customer service and gotten the run around several times telling us to e-mail a department in pay pal, which we did and got no response. We sent in formal complaints and only got the response that our appeal was denied. We subsequently send a long letter to 34 e-mail addresses for pay pal giving them till the XXXX of XXXX to respond. We have gotten no response as of today. WE have a case number XXXX. We want our money back now, there is no legal reason for them to hold it. We will gladly cancel our account and do business elsewhere if that 's what they want. 
Please file a complaint for us on our behalf. We are also going to BBB and the XXXX XXXX  XXXX office, Thank you. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I signed up for an Amex Credit card that was supposed to award me XXXX XXXX XXXX miles after spending at least {$300000.00} and {$100.00} statement credit after the first purchase with XXXX Airlines. 

My first purchase with this credit card ( on XXXX XXXX, XXXX ) was two XXXX air tickets, but I 've not received my {$100.00} statement credit yet. 

Furthermore, I reached the {$3000.00} minimum purchase threshold on XXXX XXXX, XXXX XXXX more than XXXX weeks ago ) and, similarly, I have not received my XXXX XXXX Skymiles miles yet. 

According to the terms of service, the {$100.00} statement credit should have been posted XXXX weeks after the XXXX purchase and the XXXX Skymiles miles should have been posted XXXX weeks after hitting the {$3000.00} spending threshold. This was confirmed by a chat I had with Amex XXXX on XXXX XXXX XXXX ). There have been more than XXXX weeks I did the first XXXX purchase and more than XXXX weeks I hit the {$3000.00} spending threshold. 

I have already contacted Amex several times by chat and every time they asked me to wait ( this week, the last time I talked to them, they said there was a glitch on the system and that I should get my miles soon ). 

This has been extremely inconvenient. I was planning to use the miles in a trip I will take soon and Amex is messing up with my plans. 

I am attaching the XXXX statement ( where you can see that my first purchase was a XXXX purchase ) and the XXXX statement ( as you can see, I reached the minimum {$3000.00} purchase by XXXX XXXX XXXX. Also, I am attaching screenshots of a chat I had with Amex in XXXX XXXX ( where they confirmed that the deadline for the {$100.00} statement credit is 8-12 weeks and the deadline for getting the miles is XXXX-8 weeks )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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: Mountain Land Collections, Inc.
State: GA

Complaint narrative:
I saw three derogatory marks on my XXXX credit report, all from Mountain Land Collections, and disputed all three. Two of them were removed, but one of them was " verified '' as me. Then the website would n't allow me to dispute again, so I called XXXX. An employee there said a last name that was not mine was associated with my account, I asked him to remove it and submitted another dispute. XXXX then sent a letter stating there was nothing they could do. I 've also contacted the collections company, Mountain Land Collections, several time and spoke to XXXX XXXX every time. I 've explained the situation and they 've remained unhelpful and asked me to submit a letter of dispute. I feel as though they used me to get false information, which they 've added to this person 's account. They also gave me a lot of information on the person to whom the medical bills actually belong, such as her phone number and address. I 've contacted the hospital that Mountain Land Collections told me they received the bill from, and they 're working to rectify the issue. 

The derogatory mark is still on my account, it 's for a hospital collections in Utah, when I 've never been to Utah, or been in the hospital. I 'm concerned, as through calling around I 've discovered the person it belongs to has the same birthday and first name as me. XXXX was extremely unhelpful and I 've called multiple times. The collections marks have been on my credit since XXXX and it 's XXXX now with no resolution in sight.

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