vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I have set up payment arrangements twice via phone. Neither time has it been corrected on my account. 

XXXX I got on chat and was told in order to make payment arrangements, I'd have to call so I called. I asked if my current amount due could be put on the end of the loan, as I'd done once before, and payments resume in XXXX. I was told yes - and to call back at the beginning of XXXX to confirm I'd be making XXXX 's payment. I asked for email confirmation and never received it. 

XXXX XXXX XXXX XXXX ET I spoke with XXXX and the agreement she made with me is as follows : {$260.00} by XXXX of XXXX will bring me current with balance of {$28.00} and {$290.00} due XX/XX/XXXX will bring me up to date with remaining past due balance transferring to the end of loan. I paid the {$260.00} on XX/XX/XXXX and still none of the confirmations I requested, nor the correction of my account. 

XXXX MESSAGE I SENT TO SANTANDER - " I called in XXXX and again in XXXX and spoke with representatives that ASSURRED me that my request to put the next two payments on the end of my loan so I could get caught up due to divorce was approved. So far that has not happened. I've paid what I can but it still shows past due. Now I will be able to resume payment in XXXX but I need the {$720.00} balance to NOT be overdue and put on end. DON'T TELL ME TO CALL BECAUSE I KEEP DOING THAT. I WANT THE AGREEMENT IN WRITING! '' Today, XX/XX/2019, I check and now the past due amount is {$1000.00}. 
I contacted them via chat because I am getting nothing in writing ONLY verbal and when it doesn't get done, my account is being affected - AND AGAIN THEY SAY CALL but all my efforts are going unattended.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am trying to get a modification with Mr. Cooper and day to day the requirements change. In XXXX of 2019 Mr. Cooper offered a modification that was only {$200.00} less that the original mortgage payment amount. DUE to an error/miscalculation on THEIR part I declined it and resubmitted a second modification packet per THEIR policy. And I am now having the hardest time. EX : the very same XXXX transcript request that I submitted in XXXX to receive the approval ; I was contacted today XX/XX/2019 and told that it was an outdated form and will not be accepted. I literally took the same form and changed the date. THAT'S ALL I DID! And now it can not be used. Also they told me I can not put my loan number on top of the document. Remember, I used the same form that I used previously and the modification was approved. I believe that MR. Cooper 's claims/requests are fudiciary attempts to push my account further into foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: MS

Complaint narrative:
Today, I received a notification that a new collection account has been placed on my XXXX  credit report. However, I never received an initial contact from the company, as required by 15 U.S.C. 809 ( a ).

In fact, this collection is one that I have previously disputed when it came from other companies ( XXXX for example ) and it has always been removed, as verification does not occur. The statements I receive do not match up with the claimed amount, either being under or over. The amount is constantly changing, and now is {$220.00} in this case.

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 2019-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: CT

Complaint narrative:
I had two unauthorized transactions a few months ago, as a result my Keybank checking account went in the negative by - {$26.00}. This negative balance was a result of overdraft fees associated with the unauthorized transactions. I called several times in 3 months to get the overdraft fees waived and they did nothing. I received a provisional credit for the unauthorized charges and won the dispute. The account stayed in the negative because they didn't reverse the overdraft charges as a result my account  was closed on early XX/XX/2019 as a charge off. The company keeps on sending me to collections and say the account is charged off. I'm asking for a reversal of the overdraft fees and about a {$10.00} refund to me. I'm worried about them reporting me to XXXX  when in fact they owe me money. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
Onemain and One main financial changed. When they changed, they reported twice to XXXX. 
One main financial eventually deleted from my report, however, Onemain reaged my account that now shows 1st delinquency in XX/XX/XXXX. The first delinquency was XX/XX/XXXX and no more payment were ever made. It is now over seven yrs since I quit paying, yet Onemain refuses to accommodate. 
I have attached a copy of my report from both companies showing that one main changed my acct number and reaged the debt. 
I have made numerous attempts to get one main to delete the account with no success, including filing 2 disputes directly with XXXX, contact by mail, and fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
THIS IS THE SECOND COMPLAINT. CFP just CLOSED a complaint based on a super flimsy 'reply ' after two months from PHH . I had Multiple complaint topics and PHH ONLY addressed the Property Tax Issue. I will CONTINUE TO RE OPEN UNTIL THEY MEET ALL FAIR LENDING PRACTICES. ~~ The Fraud company Only addressed One small complaint. We have called MULTIPLE times and have sent the form ( lawyer signed ) in to be Able to talk about our account. PHH Somehow never Receives the signed forms from the attorney that are faxed ( hmmm ). 1 ) PHH will not communicate at all about mortgage, nor answer any questions, even after forms sent. 2 ) I have written on every cashiers check to be applied Wholely to principal ( I have copies ) and they have not 3 ) There is a balance in Holding not applied to mortgage and PHH will not communicate about it 4 ) they have charged new attorney fees ( and we will not be paying attorney fees associated with their changes. But they keep adding things to mortgage 5 ) OCWEN forced  us into bankruptcy by Refusing late pmts when job lost and Then after bankruptcy court came back and said there was money that had not been added into bankruptcy and added XXXX more in back fees ( don't care what your arguement on This ... it IS FRAUDULENT AND UNFAIR LENDING ). 6 ) Per bankruptcy agreement, all changes are suppose to go through attorney, PHH has sent nothing to attorney. I will not be making a payment that changed and not letting attorney verify it with sending them a written, certified notification. WE have been in continual contact with our attorney and now seeking Consumer Finance and XXXX to make PHH adhere. PHH can not  arbitrarily assign fees and Back pmts due, not go through bankruptcy attorney, hold monies and not apply to principal, disregard my instructions to apply pmts to principal, and keep conveniently loosing paper that give us Rights to talk to XXXX company about OUR mortgage. Next step will be filing suit. We are tired of how they conduct 'business '. We already know the high rate of lawsuits because of Unfair Lending PRactices against Both Ocwen and PHH

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Someone open auto loan in my name without my permission to do so.I am a victim of identity theft, and did not make the charge [ s ] .I did not open or authorize this account, therefore request that it be REMOVED immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: CITIBANK, N.A.
State: WI

Complaint narrative:
Good Morning I have had a CITI account since XXXX. 

I was erroneously enrolled in XXXX protection when I started my account. The actual charge went unnoticed by me since I have had my card. I received bills electronically and due to my own fault, never noticed it/ This year in XXXX I was going to pay off my CITI card and I contacted CITI for a fee. As I was talking to customer service, I asked about the fee that I suddenly noticed. I was informed that I must have signed up for it. I demanded it be canceled and I asked to be provided proof that I even signed up. They said I must have clicked the option or agreed to it. They put me through to XXXX   and was under the impression that I would receive a reimbursement. 30 days went by and I did not see a credit so I called again. I paid off all my bill in XXXX but what I thought they owed me back - approximately XXXX. They could not locate my request and submitted it again. On XX/XX/XXXX, I received the first denial from CITI. I was upset and called customer service again 3 - 4 days later. I said that I was cancelling my card and I was then transferred to a supervisor - XXXX. He lead me to believe that again, I would be reimbursed and I asked again for proof that I actually signed up. I also mentioned the letter that I received in XXXX that I was being refunded XXXX in fees due to a settlement with CFPB. I asked for proof it was credited. 30 days later - XX/XX/XXXX, I received a second denial letter. This time I gave very negative feedback and was contacted by another senior account specialist. He said I did receive the credit for XXXX. I told him that CITI behaved in a predatory manner. He basically didn't care and transferred me back to a XXXX member. I wish I had the name and date by my phone deleted the vmail call in an update as well as my notes. The individual was located in KY - I believe his name was XXXX. 

I spoke with XXXX  again the first week of XXXX. I explained that I was a XXXX vet, received XXXX and XXXX compensations. The XXXX representative ( again - I apologize but my phone updated and deleted my notes ) was resubmitting the information a third time because she said I most likely was not even eligible. I said I would have never signed up for protection from unemployment or whatever, because I received compensation that most do not receive. Again, after 30 days I have received a third denial letter dated XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Savings Bank issued a credit card to someone using my name and SS # and is on my credit report. I have contacted USAA and reported this as well as XXXX. I believe my SS number may be comprimised. 
I have no documents or any correspondense of this matter

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: DC

Complaint narrative:
PennyMac is taking too long to send me the balance of my escrow account. I paid off my loan on XX/XX/2019, and they still not have issued a check to me. The customer service representatives have not been helpful. I paid off other loans I had with a servicer called XXXX   XXXX XXXX, and they sent my escrow refund five business days after payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: OH

Complaint narrative:
American Express mailed me a solicitation to apply for the American Express Delta SkyMiles Card. The  solicitation promised XXXX bonus miles if I was approved for the card and spent {$2000.00} on the card. 
I responded to the solicitation, applied for and was approved for the card. Then, as induced by the solicitation, I made a financial transaction in excess of {$2000.00}. 
I was then granted XXXX bonus miles, instead of the XXXX promised. I contacted the company and they said, Oh, your offer was only XXXX. 
I still have the original offer in my possession. I have provided a copy of it to American Express but to no avail. 
I believe American Express used a bait and switch scheme to fraudulently induce me to make a financial transaction in excess of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Student Loan Financial Assistance
State: OH

Complaint narrative:
The company claims to be the student loan assistance center or some lie. They are NOT the federal government who I have my loans with, yet they make false claims about helping borrowers for a fee. I have requested not to be contacted by them but they continue to call. I tried calling back to obtain their company information, but their employee, XXXX, hung up on me when I asked for their address. They hang up when asked for information and they continue to place unwanted calls to my cellular phone. The CFPB needs to shut this criminal organization down, they are attempting to prey on people who took out student loans by making false claims and even using President Trump 's name in their false claims. They call from phone # XXXX. The phone # they want people to call them back at is XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is showing that I have a XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Phone : XXXX ( XXXX ) XXXX - XXXXThe mortgage does not belong to me, I never applied for it or never enjoyed it, furthermore, I was living at the time overseas. According to the report, the account was opened on XX/XX/XXXX. The original mortgage amount was for {$29000.00} and the remaining balance is for {$25000.00}. The mortgage amount is {$500.00} and has been paid ( struggling ) monthly by someone, but stopped payments altogether in XX/XX/XXXX. After I have tried before to calling to Equifax and XXXX to try to get the issue resolved but I have been unable and got as response that " after they investigation they concluded that the debt was mine ''. It was impossible to get it resolved. 

Recently I was able to pay a visit ( had to go in person ) to the address before described ( XXXX XXXX XXXX ) given that I was unable to get it resolved by phone or email and was promised that they were going to investigate the issue. A week later I got the following answer from XXXX XXXX XXXX : '' Thank you for contacting XXXX XXXX XXXX XXXX XXXX Department. Pursuant to your request, we have concluded he investigation, XXXX XXXX XXXX does not have your information on our records. Management recommends that you reach out directly to XXXX  and Equifax and process a dispute of the information they are reporting ''. 

I would like to have the wrong information deleted from my report as it does not belong to me and it creating a lot of stress and it is not allowing me to buy a car or a house with a decent score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
nXX/XX/2019,IsentEquifaxarequesttodeleteaninaccurateaccountonmycreditreport.Isentscreenshotsshowingthatisreportingdifferentlytoeachofthe3bureaus.Ineverreceivedaresponseinthemail,justanotificationfromXXXXXXXXthattheaccountwasupdated.However,theaccountwasstillreportingdifferentlythantheotherbureaus.InXX/XX/2019,Isentanotherletter,againwithscreenshotsincludedoftheinaccuratereporting.InXX/XX/2019,againIdidnotreceivearesponseviamail,justtheXXXXXXXXupdate.IcreatedanonlineaccountwithXXXXtoviewtheaccountinquestionandIseethatitisSTILLreportingincorrectly.

Myfrustrationisasfollows:1.Whyaretheynotsendingmemydisputeresultsviamail.

2.Howiseachbureauproperlyinvestigatingiftheyareallreportingdifferently?

3.HowcanEquifaxreportthatIwas60and90dayspastdue,butthepriormonth,Ihaveapaymentstatusof"OK''.HowcanIbe60dayspastduewhenIwasn't30dayspastduethemonthprior.

4)3.Howcananaccountbechargedoffifisnot180dayspastdue?The2monthspriortothechargeoffstatus,Equifaxisreporting"OK''forpaymentstatus.5.Whydotheylistabalanceonachargedoffaccount?

6.ThedateofthelastpaymentinincorrectThereareseveralthingswrongwiththereportingofthisaccountandEquifaxnotonlyfailedtodoaproperinvestigation,butalsoviolatedmyrightsbynotdeletingthisaccount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: FL

Complaint narrative:
XX/XX/XXXX I XXXX XXXX XXXX, in XX/XX/XXXX obtain a PAY DAY LOAN from XX/XX/XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, FL. XXXX ) due to hardship, I was unable to pay the loan I spoke with XXXX XXXX   several times, thet told me at that time to enroll or take a Financial Program and when I was finished with the classes to call them to let them know I completed the class. I completed the program and called them, at that time they did not ask for any re-payment. I took that this program waived the payment in some way. I did not receive any calls and I had the number they had for a while and I did not receive any mail. This month when looking at XXXX XXXX   on XXXX, I saw me in Collections for {$550.00}, I called XXXX  and was informed on XXXX, PLAZA SERVICES, had reported me. I never held of them and did not receive any mail from them, I would have received mail if it was sent to the address XXXX XXXX XXXX XXXX. I spoke with them as in my letter and they said I can not have a copy of what was sent to me. XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: PA

Complaint narrative:
A debt collection was entered XX/XX/2017 by creditor AR RESOURCES INC. The debt was for a total of {$1100.00}. The creditor did not attempt to notify me of such debt by mail, email or phone. I mailed a certified letter with signature service requesting in writing debt validation. I have yet to receive any said documents from AR RESOURCES INC, stating my legal obligation to this {$1100.00} debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2018 for and amount of {$1300.00} dls, was charged to my account due to an error on the merchants website and submitted a dispute which was processed very poorly and not enough effort in getting my money back which now I am being charged along with interest. Also I have done 90 % of the leg work for Chase and provided them with information but nothing yet. Also feedback in never consistant very upset and tired. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone open auto loan in my name without my permission to do so.I am a victim of identity theft, and did not make the charge [ s ].

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone open auto loan in my name without my permission to do so.I am a victim of identity theft, and did not make the charge [ s ] .I did not open or authorize this account, therefore request that it be REMOVED immediately.

Company response to consumer: Closed with explanation