vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-16 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:
XX/XX/2018 Equifax 's Online Free Credit Freeze is NOT working. When start button is pressed, a blank screen appears.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
After looking over my credit report I ran across a collection from this agency. they are reporting on my credit report so I send them a certified letter with conf # XXXX XXXX XXXX XXXX XXXX in which they are still reporting inaccurate and incomplete information on my credit report. My lawful consumer right allows me to compel you to eradicate any and all aspects of injurious adversary and or derogatory accusations not entirely true, correct, complete, timely, mine, my responsibility, or else wise compliant and furthermore PROVEN in testimonial certificate of fact to be compliant to all aspects of reporting regulations, laws, precedence, and standards of reporting practices TO INCLUDE irrefutable physical evidence of your perfect XXXX XXXX XXXX A deficiency in one or all is unlawful and makes you liable to me should I elect to gain suitable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen declined us for a loan modification in XX/XX/2018. In XXXX we moved out of our house due to the fact the loan adjusted to a higher payment and we could not afford the mortgage. We also owe more than it is worth. In XXXX we put our home on the market for sale. We have had many showings, and submitted an offer for short sale. For the past 3 weeks we have tried to submit the offer with our Realtor for short sale. Ocwen has refused to give us a straight answer and will not place our offer in review for short sale, or order an appraisal to begin the process. We do not want to drag this short sale process out and have our credit destroyed. Ocwen is being dishonest and doing everything they can to create a foreclosure. When we were declined for a modification Ocwen told us we were qualified for a short sale to avoid foreclosure, now Ocwen is lying and being very dysfunctional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2018 On XX/XX/2018, I was in a car dealership buying a new car and I had to called Equifax to request that they do a temporary release of my credit report freeze. 

Please note my complaint is not directed toward the agents that I spoke to at Equifax, my complaint is against the companys management and the ridiculous questions asked to have my credit freeze release. 

The first agent that I spoke to wanted to know the name of my credit card and the balance on my credit cards from ( 5 ) years ago. I asked if they could give me the name of the credit card company, so I could give them the status of that account, which in all cases where paid in full, they would not provide that information. 

I tried to explain to the agent that it was impossible for me to answer that question, especially since I was in a car dealership without the benefit of my credit report in hand. 

Also, the thing that really got me upset was that from the very beginning of our conversation the agent must have been in an open office with other agents and the background noise was so loud that I constantly had to ask the agent to repeat the questions. I know that most large companies use out of the Country agents to provide customer service in the United States. 
Together with the agents accent and the background noise it was extremely difficult to carry on a conversation. I hung up and called a second time. 

My experience with the second agent was the same as with the first agent. However, this time the second agent asked me if I could tell her the name and balance of my credit cards from ( 20 ) years ago. I told her that was impossible. Then I asked to speak with a supervisor. 

I explained to the supervisor my experience with the two agents, and she told me the same thing, I needed to know the name of my credit cards and balances from ( 5 ) and ( 20 ) years ago. Once again, I told her I did not know, so she said I had to mail a letter requesting that my credit freeze be removed. I attempted to reason with her, while sitting in the car dealers show room, but she could not help. 

Consequently, I had to delay the purchase of my new car until I returned home and was able to remove the temporary freeze by going on line to Equifax. 

I understand how important it is to protect our credit information, but my experience with Equifax was not helpful and suggest that the Management of Equifax develop a better way of asking consumers personal credit information that is current and not ( 5 ) and ( 20 ) years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: STATE FARM BANK, FSB
State: GA

Complaint narrative:
I have applied for a auto loan with State Farm Bank.

I currently have a auto loan with State Farm and the company denied the loan application because they are saying there is possible fraud in the past that is connected with XXXX XXXX. Then the agent agent asked me do I know XXXX XXXX. The agent said any car loans that I apply with through State Farm bank they will turn it down because my name, social security number is in the fraud department. I do not think this is right. My credit is credit worthiness and it is not legal for them to deny any loan that I apply for. I really feel bad that I am going through this situation currently. The company told me that they will never approve me for a loan, everything that I apply for will get denied, and I will not be able to get any banking loan approved no matter how well my credit is or how good my employment is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA

Complaint narrative:
My complaint is with One Main Financial. Since XX/XX/XXXX18 I have received 57 phone calls from One Main Financial. This is ridiculous. I am tired of it. Also 2 months ago I set up a payment plan with them. And they said that they would defer my payment and allow me to change my due date. Come to find out they never allowed that to happen. They lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citibank is refusing to pay out advertised promotion ( XXXX ) of {$400.00} for opening a new account, despite offer terms being met. 

Citibank states that the minimum balance requirement was not met for the stated terms. It only dipped under for a couple of days due to an erroneous account maintenance fee charged by Citibank, which I had to inquire about and have subsequently reversed by Citibank. 

I have called customer service numerous times and have not gotten anywhere, including a call with a 'manager ' on XX/XX/2018 in which he stated my dispute was re-submitted for review. Upon calling on XX/XX/2018 for a status update ( the date the manager had asked me to check in ), I was  informed that there was no record of the case being resubmitted. 

Would be happy to provide full account statements as proof of the terms of this offer being met.

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 monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
I am filing this complaint for two reasons, I believe that Navy Federal failed to take proper action when I notified them of fraud on my account. They failed to mark my card as lost or stolen which allowed more unauthorized and unreimbursed charges to be added to my account. Secondly, I do not believe they did a true investigation on my account, because I was told that these types of claims could take up to 10 days and both of my claims where closed within 24 hours. They also never advised me to get a police report for this fraudulent activity. They never called to ask follow up questions. My card was used in New York and Florida which are places that I could not have been in as I was in the hospital in Kentucky, of which I notified Navy Federal. My card was used to send money to people and address that I do not know. I think these are all clear signs of fraud that Navy Federal chose to ignore. Here is an outline of my interactions with Navy Federal : XXXX XXXX Unauthorized charges appeared on my account ( Please see attached police report for charge amounts ) XX/XX/XXXX -Called Navy Federal to dispute unauthorized charges on my account. They said that they would file a fraud claim and add a provisionary credit to my account XX/XX/XXXX I spoke with a male Navy Federal representative, he notified me that there was a mistake on my claim. They had failed to mark the card as lost or stolen. 
XXXX XXXX-The fraud claim was denied XX/XX/XXXXI sent an email, to request my claim be reopened and more thoroughly investigated. As I was in the hospital and could not have made these charges. I also called several times that day. The investigation was reopened and closed again within 24 hours. 
XXXX XXXX- I filed a police report. I hopes that Navy Federal would take my claim more seriously if I was able to submit legal documentation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: AL

Complaint narrative:
Roundpoint mortgage servicing corporation obtained the mortgage I closed with XXXX XXXX on XX/XX/2018. This loan includes an escrow requirement for property taxes. On XX/XX/2018, I provided XXXX XXXX with a letter from the county indicating that I owed no property taxes for XX/XX/XXXX. I asked XXXX XXXX to remove the property tax escrow from my mortgage payment. They indicated they had sold the loan and could not do anything and I should contact the new owner of the loan, but they couldn't give me the new owner 's contact info until XX/XX/2018.

On XX/XX/2018, I was notified that the owner of my loan was now Roundpoint mortgage servicing corporation. I immediately provided XXXX   with the letter from the county indicating I owed no property taxes for XX/XX/XXXX and asked them to remove the property tax escrow requirement from my loan and to apply the XX/XX/XXXX property tax I already paid to my loan balance. XXXX notified me that they received my request and would contact me by XX/XX/2018. I never heard from them. They sent me a letter saying that the escrow could not be eliminated since I owed escrow payments for insurance and for PMI payments. I notified XXXX that I did not request the elimination of the escrow, only the removal of the property tax component. I spoke with a supervisor at XXXX who guaranteed me that my issue would be resolved by XX/XX/2018, and she guaranteed me a call on XX/XX/2018, to verify the resolution. I have not heard from XXXX and my account still shows the payment required for the property tax escrow.

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 2018-11-16 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: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX After viewing my XXXX  credit report I noticed that there are several duplicate accounts listed on my credit reporting and a few accounts reflect incorrect dates on loan origination, loan term & payments. 

I have 4 to 5 duplicate accounts listed on my XXXX credit report starting with page 8 Account # XXXX {$470.00} page 10 Account # XXXX ... XXXX {$3800.00} Page 12 Account # XXXX .... {$3800.00} Page 12 Account # XXXX {$470.00} Page 12 Account # XXXX {$3500.00} Page 13 Account # XXXX ... {$3500.00} Page 14 Account # XXXX ... {$3500.00} Page 14 Account # XXXX .... {$3500.00} There are several errors listed as well with the TERMS of the loan, loan origination dates & payments. I can list them all its so many. I would like to start my dispute with the duplicate accounts listed thatll give me time to write all of the errors. 

Under the provisions of the 1977 Fair Credit Report act I hereby request that the reporting agencies prove to me in writing the accuracy of the reporting this account. Under the terms off the act & succeeding court cases they have 30 days to improve the accuracy or they must remove the account from my credit report. 

Please feel free to call me with any questions you may have at the above number. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC
State: VA

Complaint narrative:
I reviewed my credit and noticed that an account with XXXX XXXX XXXX in the amount of {$100.00} was being reported on my credit with the Original Creditor being XXXX XXXX. I never received any notice from this company regarding the debt. I called to make a payment to satisfy the debt and the rep XXXX XXXX advised me that XXXX XXXX no longer owed the debt and that it had been returned back to XXXX XXXX and that the collection account was closed. I advised the rep if they are no longer collecting on the account then my credit report needs to be updated to reflect. The rep kept repeating the same thing just stating that the account was returned to the Original Creditor and that it was closed. Repeatedly after not answering my question about the CBR reporting I asked to speak with a member of management and was advised that no manager was available. What type of professional establishment does not have a supervisor/manager available to handle escalated calls. The rep never addressed my question regarding how this account is being reflected on my credit and refused to let me speak to somebody above him. I advised the rep I would be filing a complaint and disconnected the call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I am the victim of Identity Theft. I notified my local police agency and my Credit Card, Nordstrom Signature VISA of the unauthorized charges. have complied with all of Nordstrom 's request, completed and supplied them with an Affidavit of Fraud. Nordstrom Card Services, without even contacting me has arbitrarily and capriciously not credited my account for unauthorized transactions, has adversely effected my Credit Worthiness as they have reported to the three Credit Reporting Agencies, XXXX, XXXX, and XXXX, I have used my card in an amount over the Credit Limit, where in fact I have not and the balance they are reporting is because of the unauthorized transactions.I have attempted to pay Nordstroms in fact what they are owed as an appropriate minimum payment on what charges were mine, have requested on multiple occasions they provide me with a true and accurate statement. They have not and I have no idea what amount I actually owe for a minimum payment as Nordstrom Card Services has not told me. Further, as part of the Nordstrom Card Services I am entitled to Nordstrom Reward Points, my account reflects that I have reward points but Nordstrom Card Services has refused to allow me to use them. Nordstrom is in violation of State and Federal Consumer Protection Laws and State Law of Defamation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Orions Management Group, LLC
State: GA

Complaint narrative:
Someone by the name of XXXX XXXX contacted my job on XX/XX/2018 making claims he was verifying my employment. He then went on to threaten legal action against me on some account that was submitted to his office.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I initiated a bank transfer in my wells Fargo online banking. I scheduled {$590.00} to be scheduled on XX/XX/2018 from my XXXX  account to be delivered by XX/XX/2018 to my Wells Fargo account. On XX/XX/2018 the funds of {$590.00} were withdrawn from my XXXX  bank account To be sent to my wellsfargo account. After several days, the Wells Fargo transaction status still stated pending the funds were never deposited into my Wells Fargo account. On XX/XX/XXXX, I called Wells Fargo to request to cancel the external transfer, because it was too delayed and The funds were never actually received by Wells Fargo. The transaction was confirmed and cancelled by a Wells Fargo rep. today is XX/XX/XXXX and the cancelled transfer of {$590.00} has never returned to my XXXX account. I contacted Wells Fargo and they stated there was nothing they could do, because the funds were never received by them and the transfer was cancelled several days ago. They told me to contact XXXX. I contacted XXXX, they said there was nothing they could do because they processed and sent the funds. No one is able to help me. XXXX confirmed that they have not received a notice from Wells Fargo regarding any returned transfer.

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 2018-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Best Service Co.,Inc
State: NV

Complaint narrative:
Received a letter dated XX/XX/2018 offering a settlement on a debt for alleged over draft fees for a closed bank account. No notice of right to dispute on front or back of the letter. In addition has falsely reported the debt to XXXX as a delinquent credit account as well as that I have disputed the debt. The statement specifically states " the consumer disputes after resolution. '' This is direct violation of the FCRA as this is NOT a credit transaction and should not be on XXXX or any other bureau. I also have NEVER issued and dispute to the bureaus or The Best Service Company since receiving this letter.

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 2018-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
I have had several problems with XXXX XXXX. Every year I have to submit my employment verification form several times in order to get it processed, even though I serve in the XXXX. I have also had trouble with deferment issues. I am currently enrolled in a Master 's program part-time and every semester XXXX automatically puts my account in deferment. I call and submit the deferment waiver form to be taken out of deferment because I am in the PSLF program and every month I am in deferment is a month that does not count towards PSLF. Every time I call and submit another deferment waiver form I get told that it takes time to process and that it will all be sorted out, but this seems to be a pattern with XXXX and I can not figure out why I keep getting put in automatic deferment when I have specifically requested to not be placed in deferment. Additionally, when I applied for PSLF, all of my loan where transferred from XXXX to XXXX. During this period I was unable to access my account to ensure my payments where being processed. I made several calls and every time I was told not to worry I would have access to my account " soon ''. By the time I got access XXXX informed that my loans where past due because I failed to pay on time. Then a year later they tell me because I had a late payment that my forbearance funds were being nullified and the interest was being added to my account. This only amounted to around 150 additional dollars but its about principal. This company has failed me and other customers at every turn. Furthermore, they seem to not care about the effect that their malfeasance has on borrowers. In fact, I seldom receive customer care that is not rude even borderline hostile when I call about my account. Including today XXXX XX/XX/XXXX, after waiting no less than 20 minutes on hold I was greet by XXXX, employee number XXXX, who could not have been more rude and insensitive about the fact that my account was being placed back in deferment and I was having to take time out of my duty day to attempt to correct this action again. I want to know when XXXX will be held accountable for their deceptive practices relating to deferment and public student loan forgiveness.

Company response to consumer: Closed with non-monetary relief