vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: VA

Complaint narrative:
Our deed and mortgage was recently sold by XXXX XXXX to XXXX XXXX XXXX XXXX and is being managed by Selene Finance. Selene Finance conducted an assessment of our property and determined a Broker Pricing Opinion ( BPO ) of $ XXXX in mid-XXXX. A contract was submitted for XXXX based on the BPO and XXXX XXXX/Selene countered the contract for $ XXXX. Due to this unfair and unreasonable counter, the buyer cancelled the contract. We have been through the ringer for the past several months trying to work with XXXX XXXX/Selene on a short-sale to establish a " dignified exit '' and avoid foreclosure. They have created unfair and unreasonable roadblocks every step of the way to discourage buyers to back out. It can be perceived that these acts are being done intentionally with the goal of foreclosure. We currently have another ratified contract that has been submitted to XXXX XXXX/Selene for consideration in the amount of $ XXXX which is well within the BPO that they came up with. I am asking for your help to please investigate these unfair business practices and support the negotiation of a fair and just short-sale sale agreement. Please advise if you require any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Three inquiries were made on my credit report. None of which were me. See below for details. I spoke to all three in XX/XX/2018. XXXX and XXXX submitted retractions and the inquiries were removed from XXXX, but still remain elsewhere. XXXX stated they dont keep a record of inquiries and said they would send a letter. They never did. I called today and they suggested this site. I need all three removed from my credit report across the board ASAP. 

XXXX/XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX  XX/XX/2018 XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 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: PA

Complaint narrative:
My personal information was compromised by in XXXX, it appears someone attempted to open several loans/credit cards in my name but were unsuccessful. However, there are multiple credit inquiries that I did not initiate on my credit file as a result of this. When I realized this is XX/XX/XXXX, I contacted each company ( XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX ) and was told repeatedly I would need to contact the credit bureaus to dispute. So I sent several letters to all three credit bureaus on XX/XX/XXXX to have these removed, via USPS ( XXXX   XXXX, XXXX  XXXX, Equifax XXXX ). I never received a response from any of the credit bureaus. 
I sent additional letters after this citing FCRA section 604 requesting documentation showing I initiated these credit inquiries giving these companies permissable purpose, again no response. I'm filing a complaint to have all of these credit inquiries removed unless they can provide proof that I requested to open credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: NJ

Complaint narrative:
Three inquiries were made on my credit report. None of which were me. See below for details. I spoke to all three in XX/XX/2018. XXXX and XXXX submitted retractions and the inquiries were removed from Transunion, but still remain elsewhere. XXXX stated they dont keep a record of inquiries and said they would send a letter. They never did. I called today and they suggested this site. I need all three removed from my credit report across the board ASAP. 

XXXX/XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX  XX/XX/2018 XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I purchased a XXXX XXXX XXXX and Capital one Bank was the bank that financed my loan. I was making payments on time each month until I lost my job of 14 years. I lost everything my XXXX, life savings and had to file a chapter XXXX bankruptcy. I continued to make my payments on time while in a chapter XXXX bankruptcy we converted our current bankruptcy into a chapter XXXX. I was well aware if I done so I would loose the car in the process. I was okay with that. The issues are first this bank refuses to pick up their car after many attempts to order them to. We have a unwanted car sitting in our driveway for months without consent. Secondly they are reporting inaccurately on my credit report showing a charged off auto loan with a past due balance. This loan was included in our chapter XXXX bankruptcy. In fact this bank did not show up for the creditors meeting. They have violated my rights under the FCRA and bankruptcy code. I asked to speak to someone to get this matter resolved they refused to accept my call and only speak to my Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX had been sending fraud damages claim on tenant and not fixing it ... Collection Bureau of Fort Walton Beach keeping saying they are third party .They are not investigating the situation before ruining somebody credits..owner of this company know them for 30 years and they trust them..They been frauding for 30 years. One bedroom one bath they say I owe almost {$9000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a Capital One card I did a cash advance for XXXX and have a purchase balance of XXXX .I paid XXXX towards my bill and called to pay off my cash advance they would not take my money asked to speak to a supervisor and they would not take my money. I'm getting charged twice on interest and was trying to pay my cash advance which was XXXX. They will charge me twice on interest until I pay my whole balance off how is this ok. With the Card act it says they can't deny me payment .They are Charging twice in interest what can I do is this legal..XXXX ( XXXX ) XXXX Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: TX

Complaint narrative:
Recently, I've grown an interest in monitoring my credit. I am ready to purchase my own home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove these negative items from my report, they are indeed fraudulent and do not belong to me.

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 2019-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I bought a television and some equipment at Best Buy. They offer 24 month, no interest financing on a Citibank sponsored credit card. 

No where on the statement does it show the minimum payment needed to avoid finance charges. However, the statement shows a payment of {$2.00} less per month than the minimum payment avoid finance charges. 

If I were to pay {$2.00} less than the minimum for 24 months, it would trigger {$1600.00} of interest. In other words, an extra {$2.00} paid per month over 24 months, which is {$48.00}, saves {$1600.00} of charges. 

I don't know if this is a Best Buy practice, a Citi Group practice, or both, but it prays on the financially unsophisticated. I spent about 30 minutes on the phone with them to clarify what was a very deceptive statement. 

It should be mandatory to disclose the minimum payment necessary to fulfill the terms that were offered.

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 2019-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
I recently called and submitted a letter to paramount recovery systems asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in Georgia ; and 7. Your license numbers and Registered Agent finally I ask paramount recovery systems to remove the collection from my credit report until the debt is validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I have an unverified account from Convergent Outsourcing , Inc . I had previously disputed this account. I have never done business with Convergent Outsourcing , Inc. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Convergent Outsourcing Inc . Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Convergent Outsourcing Inc . Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2019-01-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I've grown an interest in monitoring my credit. I am ready to purchase my own home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove these negative items from my report, they are indeed fraudulent and do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JH Portfolio Debt Equities, LLC
State: DE

Complaint narrative:
I recently was sued by a debt collection agency called XXXX XXXX about a debt they claimed I originally owed to XXXX, XXXX. This notice was served XX/XX/XXXX. I was never properly notified via mail by this agency prior to this about any attempt by them to either collect a debt or given the opportunity to dispute the validity of the debt. After receiving the court summons, I have tried numerous times to contact this company by phone in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Since I never received a debt collection letter from this agency, I was unable to send a dispute letter to them to dispute the validity of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I recently was sued by a debt collection agency called XXXX XXXX about a debt they claimed I originally owed to XXXX, XXXX. This notice was served XX/XX/XXXX. I was never properly notified via mail by this agency prior to this about any attempt by them to either collect a debt or given the opportunity to dispute the validity of the debt. After receiving the court summons, I have tried numerous times to contact this company by phone in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Since I never received a debt collection letter from this agency, I was unable to send a dispute letter to them to dispute the validity of this debt.

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 2019-01-30 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: PA

Complaint narrative:
My personal information was compromised by in XXXX, it appears someone attempted to open several loans/credit cards in my name but were unsuccessful. However, there are multiple credit inquiries that I did not initiate on my credit file as a result of this. When I realized this is XX/XX/XXXX, I contacted each company ( XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX ) and was told repeatedly I would need to contact the credit bureaus to dispute. So I sent several letters to all three credit bureaus on XX/XX/XXXX to have these removed, via USPS ( XXXX   XXXX, Transunion XXXX, XXXX   XXXX ). I never received a response from any of the credit bureaus. 
I sent additional letters after this citing FCRA section 604 requesting documentation showing I initiated these credit inquiries giving these companies permissable purpose, again no response. I'm filing a complaint to have all of these credit inquiries removed unless they can provide proof that I requested to open credit with them.

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 2019-01-30 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: PA

Complaint narrative:
My personal information was compromised by in XXXX, it appears someone attempted to open several loans/credit cards in my name but were unsuccessful. However, there are multiple credit inquiries that I did not initiate on my credit file as a result of this. When I realized this is XX/XX/XXXX, I contacted each company ( XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX ) and was told repeatedly I would need to contact the credit bureaus to dispute. So I sent several letters to all three credit bureaus on XX/XX/XXXX to have these removed, via USPS ( Experian XXXX, XXXX  XXXX, XXXX   XXXX ). I never received a response from any of the credit bureaus. 
I sent additional letters after this citing FCRA section 604 requesting documentation showing I initiated these credit inquiries giving these companies permissable purpose, again no response. I'm filing a complaint to have all of these credit inquiries removed unless they can provide proof that I requested to open credit with them.

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 2019-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was told that I could not request a lower payment or request a deferment for the student loan sometime after XX/XX/XXXX. I was out of work from XX/XX/XXXX-XX/XX/XXXX. The payments stayed around {$400.00} or more dollars the entire time of the loan. I request for lower payments because my total student loans were over the minimum percentage of my income. Sallie Mae still refused to lower my payments. As life happen and I to pay for emergencies and necessities over a {$400.00} student loan. When I did get scholarships to help pay for my student loans, Sallie Mae did not take the amount to my principal but to my interest. Therefore the scholarships were worthless because it would only cover about 3-4 months of payments.

I took FMLA recently and was unable to make any type of payments. I can provide documentation if need be. Before I knew it, my entire student loan was sent to an aggressive collection agency called XXXX. They have contacted my work via phone calls and emails. 

The majority of the amount I owe is mostly from interest accrued not the principal. I wish I had never gone to this college and gotten into this undying debt. 
These interest rate calculations for these students loans are pathetic!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been the victim of identity theft and someone my information has been used to try and open accounts. The inquiries are not mine or initiated by me : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did not authorize this {$2900.00} debt with this institution. I have filed and submitted documentation to the company at least 20 times, I knew nothing of the debt until it was charged off and I began to receive collection calls from the company. I notified each and every agent that called, that this account is not mine. 

I have been a victim of Identity theft for almost 10 years. Over the past 10 years people have gone as far as getting cars, apartments, credit cards, bank accounts and utility services in my name. I have filed many police reports and done FTC Affidavits, many of the reports were filed with the city and county in which the fraudulent accounts were opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been the victim of identity theft and someone my information has been used to try and open accounts. The inquiries are not mine or initiated by me : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief