vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-18 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: AL

Complaint narrative:
I have attempted to contact Equifax by mail and over the internet on multiple occasions to request they address my concern that they have placed two accounts into my consumer credit report which are not consumer credit accounts, but were both for amounts the Department of Veterans Affairs ( VA ) believed it had overpaid. Both of these accounts were paid but then both amounts were later refunded after a Congressional enquiry determined the amounts should be refunded to me. Unfortunately, the VA reported these accounts to Equifax, and they both appear as consumer credit entries on my Equifax credit report, despite not being consumer credit accounts. I believe that Equifax has violated the terms of the XXXX XXXX consumer credit agreement with the Attorney General of the State of Alabama that Equifax signed in XXXX XXXX which stated they would not post non-consumer credit accounts into credit reports. I received my most recent response from Equifax today ( XXXX/XXXX/XXXX ) and the continue to ignore my complaint that the VA overpayments are not consumer credit accounts and only state that the " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. If you have additional questions about this item please contact : VeteranXXXX 's XXXX, XXXX XXXX XXXX, XXXX XXXX MN XXXX > ''. I do not believe that under the terms of the 31 state agreement that these accounts are authorized to be entered into my credit report per para 3C of 31 state agreement XXXX attached ) which states " The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay ( including, but not limited to, certain fines, tickets, and other assessments ). '' The VA accounts were for overpayments and not consumer credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All three major credit bureaus have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the consumer financial protection bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the consumer financial protection bureau for protecting her/his Personal, Family, and Household.

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 2017-09-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All three major credit bureaus have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the consumer financial protection bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of 10 million dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the consumer financial protection bureau for protecting her/his Personal, Family, and Household.

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 2017-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I was approved for a loan modification without the borrower signing any of the request for the loan Modification. after paying three months trial period. I received paperwork from Penny Mac! requesting for the borrower to sign the final mod documents. The borrower did a quick claim deed to me which I 'm the co-borrower as he was no longer interested in the property. I asked my mortgage company if there was a way I could get all docs signed without borrower due to the quick claim deed. They advised that he had to sign the documents or they could n't go through with the Modification. My home is now in foreclosure sale date is set for XXXX/XXXX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America 's Mortgage Servicing Department has put in place an automated phone system that does not work properly and as a result, not all of its borrowers can get access to help from a mortgage servicing representative. 

I have difficulties using automated voice response systems. Bank of America has made it impossible to speak to a representative without entering or giving identifying information to the AVR system first. This means that in order to speak to a representative, I have to have someone from my branch call in for me, which reduces my privacy and adds significant time. 

This requirement could be a problem for the elderly, XXXX or anyone who does not speak XXXX or XXXX ( there are no other language options ).
It makes it much too difficult for someone who needs help - a miscredited or lost payment, etc - to get the help that Bank of America is required to give.
In my case, we did get behind on our mortgage for one month but we BELIEVE we have caught it up. But there is an extra charge on our mortgage bill that we do n't understand and I have not been able to reach them to talk about it because I can not get through on the phone lines. 

I 'm not sure what Bank of America is legally required to do as a mortgage servicer but I do know that this is not a consumer-friendly way to deal with people who are dependent upon them for accurate, prompt and responsive service.

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 2017-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I made a purchase at XXXX on XXXX and returned the item on XXXX. The refund was returned to my bluebird card on XXXX. I logged on and it shows bluebird has decided to put an extra review hold on my refund an wo n't return it until XXXX. I called an was given XXXX different reasons why it was being held. I was told it was a random review, I was told it was held because it was returned at a different store than it was purchased, I was told it is a new process to allow the merchant 7 days to change there mind, then I was hung up on by the XXXX XXXX why I asked for corporate contact info then I was told by XXXX it was n't received an his XXXX says they received a memo but never received the money. I verified with the merchant bluebird was sent the money. I was also told refunds no longer go to bluebirds bank but direct to my account. All the agents are in a foreign country and very rude. They offer no resolution and never the same answer. I am at the point of contacting my attorney for a class action lawsuit because I had a similar issue that I never got a response in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: KS

Complaint narrative:
I have been struggling with being able to make my mortgage payments since XXXX/XXXX/2017. I notified the mortgage company at that time. They sent me a hardship packet, which I filled out and sent directly back to them. Heard nothing from them, except for collection calls from their call center. Those people are not able to help me, just keep asking when I will be able to make a payment. In XXXX, 2017, I was able to get enough money out of my XXXX to make the XXXX, 2017 payment. Then in XXXX, 2017, I was able to sell one of my vehicles to pay the XXXX, 2017 payment. I have no more funds to make any more payments, and they do not accept partial payments. So now, I owe for XXXX, XXXX and XXXX, 2017. In XXXX, I was finally able to talk to someone who told me that they did not have enough information and told me what I needed to send. I completed the items that they said they needed and sent them to them directly. Never heard from them again. Talked to them again in XXXX, they still did n't have all the info needed. So, I sent them what they requested. Heard nothing from them. In XXXX, called them again, and you guessed it, they did n't have our information. They finally found it in the wrong folder!! And they needed updated information. Sent that to them again in a fax on XXXX/XXXX/2017. I still have had no calls from them. Today, I received the attached letter from them. I am trying to resolve this, but they are not doing anything, and I keep getting further behind. I tried to call them this afternoon, but I was on hold for 30 minutes with no one ever answering the phone. I do n't know what else to do. I need help, because, I do not want to lose my home. My wife has acute XXXX XXXX and the stress is making her have XXXX XXXX, and has caused us to spend more money on hospital and office visits, plus prescription drugs. What can I do? We are struggling here!! 
The mortgage company is Amerihome at XXXX. XXXX XXXX, XXXX. NJ XXXX. And, their phone # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
From XXXX XXXX, XXXX, through XXXX XXXX, XXXX, I have tried to continuously get the information that is being reported as not paid and requested for validation of the debt, however, no one has responded to me other than to say I have to contact another firm, who never responds to me. 

I wanted to resolve this as I do not believe that I owe this, however, I ca n't get any information or assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: AK

Complaint narrative:
This is my second complaint for Navient regarding student loans. In my previous complaint, I asked for documentation showing that Navient owned my student loans. Navient responded with the attached documents. Their response, however, did not include ANY proof of ownership for the following loans that I am currently paying : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: U.S. BANCORP
State: TX

Complaint narrative:
I received 3 promotions so far i only got paid for one of them. 
# 1 : started XX/XX/XXXX and ends XX/XX/XXXX earn a {$25.00} statement credit with XXXX if i make 3 purchases of {$25.00} or more which i did. 
# 2 started XX/XX/XXXX and ends XX/XX/XXXX Shop XXXX and earn a special offer also spend {$25.00} or more on three different purchases which i also did. 
# 3 We 'll Pay You {$10.00}. Just for Paying with XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX which i also paid on XX/XX/XXXX through XXXX and the amount was XXXX. 

so far i only got {$25.00} and after i contacted them they send a paper by mail saying that they already credited XXXX before and thats it .. the issue is resolved. Whenever i try to contact them i have to waste an hour or two of my life to contact them. I am really bored of this strategy and if you can help i would really appreciate it. 
I do n't care as much about the money as i care about the whole lies about their promotion! 

I have attached proofs of my claims 11 pictures of the emails i received and other documents

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 2017-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
lost cr card agent did not ask info to replace it, wanted to do a pymt as the automated system does not do a pymt w/o acct info. agent could not take a pymt over the phone Want late fees to refunded, and replacement card sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A medical debt from XXXX XXXX was reported to transunion in XX/XX/XXXXas being invalid. Transunion was provided proof that insurance had paid the balance and XXXX XXXX was trying to collect more than owed. Transunion deleted the collection from XXXX XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX the collection re appeared under another name " XXXX XXXX XXXX ' for the same amount via XXXX XXXX. I dispute this amount indicating transunion was not in statutory compliance with FCRA 611 ( a ) ( 5 ) ( b ) having failed to notify me of any re attempt of a previously deleted item. I sent a secondary request on XXXX/XXXX/XXXX via certified mail to transunion to delete the inaccurate item and they sent me a letter on XXXX/XXXX/XXXX indicating they would not with no further information, not only was the debt already proven invalid and removed once before adding it a secondary time with no notice or evidence is a violation of FCRA 611 ( a ) ( 5 ) ( b ) and transunion should be fined as well as rectify this immediately

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 2017-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have looked through my paperwork that I have kept. XXXX Compass Bank is asking me to pay {$1500.00} dollars remaining on the loan after they had sold the car along with {$1700.00} dollars. Repossessions Fee. I made a few phone calls and Compass bank had canceled the auto GAP policy and also the XXXX XXXX extended warranty and kept the money from that. The XXXX XXXX extended warranty cost {$2500.00} dollars and the GAP policy was {$350.00} dollars totaling {$2900.00} dollars yet they expect me to pay them {$3300.00} that just does n't add up I do not owe that amount. If I do the math and minus {$2900.00} dollars from {$3300.00} that would be {$420.00} dollars. As to why they are attempting to ask for more money than is owed just boggles me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: NJ

Complaint narrative:
- Equifax used poor IT security policies that resulted in personal information about my XXXX, my wife and me getting leaked to criminals. 

Facts that indicate gross negligence ( and not that they were just a victim of sophisticated criminals ) : - The method that the hackers used was a an issue that was resolved two months prior and was known to the cybersecurity industry : XXXX XXXX XXXX XXXX The company has a culture of incompetence in the cybersecurity department. Using " admin '' as username and password for example : XXXX XXXX XXXX - The Chief Information Security Officer is unqualified for the job with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above facts show that the company is willfully negligent in protecting the personal information of American citizens, and not just that they are victims of hackers. 


Personal Impact to me and my family : Spending hours on the phone with the agencies to set up a fraud alert Spending hours on the phone and mailing documents to set up security freezes Spending many hours over the rest of my life to unfreeze and refreeze accounts every time I need to apply for credit Spending money and time taking steps with the IRS such as early filing to ensure that nobody files taxes using any of our SSNs. 

Spending many hours and hundreds of dollars per year for the rest of my life constantly monitoring reports for identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: IL

Complaint narrative:
NAME : Credit Protection Association ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Website : www.creditprotect.com Scam collection attempt Received numerous phone calls and a letter from Credit Protection Association L.P. Claims I owe money to XXXX XXXX in the amount of {$420.00}. I am positive I never used XXXX XXXX services. 

The letter claiming that my account has been turned over for collections as of XXXX XXXX 2017. Collector is Credit Protection Associates L.P. 

Original Creditor : XXXX XXXX Account Number XXXX Service Balance : {$420.00} Collection Fee 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 2017-09-19 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: NV

Complaint narrative:
First ... ..I am at an ABSOLUTE LOSS AS TO WHY EQUIFAX HAS BEGAN PLACING MY FULL SSN ON THEIR REPORT ... ... .This is something VERY NEW ... .and AMIDST ALL their " PROBLEMS '' You would think they would not do that ... ... so MY FIRST COMPLAINT is ... ... STOP PRINTing my entire SSN!!!!!! Next is I received in the mail that they have verified a fraud account as accurate ... ... .that 's great ... ... not only does Equifax continue to show XXXX XXXX as valid although it is not ... ..Equifax now reports an imaginary account that they wrote as a " charge off '' ... ..amazingly has given itself! How is this account open????? Closed? Charged off????? It 's not mine!!!!! Is this how they plan on treating all the people they allowed their data to be breached???? .Because of course Equifax is aware that ANY ONE can simply " access info ''. A computer can not verify who you are. So Equifax ... ..send me your DOCUMENTS!!!!!!!!!!!!!! You are telling me this make believe account is " verified '' ... not because of a papertrail, but because my name was placed into a computer program.Is this how Equifax plans on handling their recent breach ... ..All names and birthdates of victims will be deemed " verified '' on a bunch of fraud accounts Equifax helped to create ... .... Real nice of you to have consumers holding the bag ... ... for your lack of security.!!!!!!

Company response to consumer: Closed with explanation