vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear ConsumerFinance.Gov : Hello. I haven't been able to get a credit report from any of the 3 credit bureaus for about ten years. A few years ago, I filed a previous complaint with ConsumerFinance. The result was that someone sent me some emails for a few months, apparently trying to emotionally smooth me. Nothing ever happened from her email messages, since I still am not able to receive a free credit report from any of the 3 credit bureaus. Also, I am unable to update my personal information or remove false information. When I get online at their websites, I am told I need to call a phone number. When I call that phone number, I am told to either go online, or submit paperwork to them through the postal system, or submit identity documents to them by email. I do whatever they ask, and the result of it all is that the 3 credit bureaus say they can not verify my identity. I submit everything and more, with beautiful museum quality documents, and still, they can not verify my identity, with my most current driver 's license, SS card, birth certificate, current voter registration, passport landing page, current car registration, current car insurance, recent bank statements, and recent mobile phone billing statements. No matter what I submit to them, they claim they can not verify my identity, claiming it doesn't match their records. They refuse my accurate records. I am a USA-born, USA citizen, speaking perfectly fluent English and having the most elegant communication skills, and the 3 credit bureaus can not verify my identity. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear ConsumerFinance.Gov : Hello. I haven't been able to get a credit report from any of the 3 credit bureaus for about ten years. A few years ago, I filed a previous complaint with ConsumerFinance. The result was that someone sent me some emails for a few months, apparently trying to emotionally smooth me. Nothing ever happened from her email messages, since I still am not able to receive a free credit report from any of the 3 credit bureaus. Also, I am unable to update my personal information or remove false information. When I get online at their websites, I am told I need to call a phone number. When I call that phone number, I am told to either go online, or submit paperwork to them through the postal system, or submit identity documents to them by email. I do whatever they ask, and the result of it all is that the 3 credit bureaus say they can not verify my identity. I submit everything and more, with beautiful museum quality documents, and still, they can not verify my identity, with my most current driver 's license, SS card, birth certificate, current voter registration, passport landing page, current car registration, current car insurance, recent bank statements, and recent mobile phone billing statements. No matter what I submit to them, they claim they can not verify my identity, claiming it doesn't match their records. They refuse my accurate records. I am a USA-born, USA citizen, speaking perfectly fluent English and having the most elegant communication skills, and the 3 credit bureaus can not verify my identity. Please help.

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 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
XX/XX/2019 Navient This company has reported 90 day late payments on my credit file. My student loans are deferred. This company has reported this to all credit bureaus and it has had an adverse effect on my credit file. I am requesting for Navient to update all three credit bureaus with 90 day late payment removal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Changed home owners insurance companies for a better rate and was unaware I had to have wind insurance. When the bank asked for proof of insurance I sent in the proof and received a letter saying all was good I would not be charged for any insurance the mortgage company had gotten.. Then some time later I got a letter that said I had to have wind insurance. I contacted the insurance company to add the coverage from the beginning which was past already and they told me I could not change the policy I would have to cancel the present insurance and reapply with the wind which I did. I sent that to Wells Fargo and then got a letter saying I owed them {$210.00} or provide wind insurance coverage for the past time. I could not do it because the company would not let me and it was months after when they notified me. I never received insurance from Wells Fargo until I requested a copy of it which showed they obtained it in XX/XX/XXXX..I had already received a letter it was all good. I called multiple times over the weeks that it was one way one time and another. I explained to each and everyone what had happened. I got the same form letters until in XX/XX/XXXX I spoke to three different people who told me I would not be charged for it and of course they were all phone calls as that is the only way they do business by verifying who you are all required me to call them not any of it is documented on anything I have. I did get their names which I have included in the paperwork. I was going to put in a CFPB complaint months ago but they had told me it was taken care of. I have given them every opportunity to fix it and the right hand doesn't know what the left hand is doing and I get a different story every time. My present insurance charges around {$300.00} for a year for wind insurance and they charged {$210.00} for one month. The last representative XX/XX/XXXX told me they charge a lot because they have no idea of the property. That is totally untrue because they have every information about my property. If it had been reasonable I would have let them rip me off but this is ridiculous. I bet they make a fortune off people who won't take the time to fight it. I know I have spend much time on the phone and impatient with one person saying one thing and another totally saying the opposite is definitely frustrating. Please do not let these people rip me off.

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 2019-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
TD Bank will not remove this false information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: DC

Complaint narrative:
On XX/XX/2019, I completed an online registration to create an myEquifax account. During this process, I was presented with a Consumer Privacy Notice at XXXX XXXX XXXX, which I understand to be in compliance with the Gramm-Leach-Bliley Act ( GLBA ). 

The privacy notice suggests that I call XXXX at the specified hours, which I did at approximately XXXX XXXX. ET. The menu options were not straightforward, and after a few seconds, I was connected with an agent who did not appear to understand my requests. I was very clear in stating that I wished to limit the sharing of my personal information in accordance with a consumer privacy notice that I received. At first, the agent thought I wished to place a credit freeze ; after a few minutes ' hold, he returned and directed me to XXXX to opt-out of pre-screened offers. Neither were conductive to my request. 

The notice also states that I may limit Equifax 's sharing by : Visit us online : XXXX XXXX XXXX  and select Customer Service ''. I visited the link, which presented me with an FAQ page that did not have such an option. I also tried the " Contact Customer Care Representative '' link in the footer of the website, which sent to me another FAQ webpage that listed phone numbers for various issues, none of which appeared pertinent. I also logged into the customer dashboard portal of the myEquifax account and clicked on the " Support '' link, which again lead me to the FAQ page.

As there does not seem to be any way to limit this information sharing despite the consumer privacy notice 's suggestions, I am filing this complaint that Equifax is in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: FL

Complaint narrative:
I was involved in a not-at-fault accident in Georgia on XX/XX/2017. I went to XXXX XXXX 's Emergency Room and gave them my insurance which at the time was XXXX XXXX XXXX XXXX XXXX Georgia under my father. I was in-network and XXXX XXXX XXXX XXXX stated that I only owe my deductible of {$250.00} because of the following code reasons : " XXXX - This amount is the member 's copayment responsibility and code XXXX - This is the amount in excess of the maximum allowed amount for a participating provider. The member, therefore, is not responsible for this amount ''. XXXX XXXX in XXXX, Georgia has been balance billing me since XXXX of 2017 and XXXX XXXX XXXX in XXXX, Georgia has been harassing me for the last two years and each refuses to take my {$250.00} deductible and demand I pay the amount of XXXX, XXXX even though it was an emergency visit from a vehicle accident with an in-network provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: A & E Futures LLC
State: GA

Complaint narrative:
it was fraud charges made without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Since about XX/XX/XXXX Bank of America has not fixed the identity theft that occurred with stolen identity. Checking accounts and Savings accounts were established using an unverifiable fraudulent address to open the accounts online. Bank of America refuses to close the fraudulent account that resulted from identity theft in the form of a checking account. They advised me even though the debit card had been sent to a fraudulent address and that I did not authorize any accounts to be opened with the Bank and even provided them with an FTC Identity Theft Affidavit that was submitted the local police department, they do not wish to assist me and do not want to resolve the complaints. XXXX has recently notified me that the email address XXXX, was and is found on the dark web and was sold by identity thieves. Bank of America Allowed these accounts to be established using said email address. Additionally Bank of America has allowed a Travel Rewards credit card to be opened from the same thief. This was opened XX/XX/XXXX. I advised Bank of America I did not open this account nor authorize it to be opened. Bank of America did not clear my Extended Fraud alert, and refuses to investigate the Identity Theft, Instead they say that Established payments were established using the XXXX XXXX Account that I had XXXX XXXX close due to identity theft, and the Payments made to the Bank of America Account were revoked and or marked unauthorized. The balance on this fraudulent credit account is {$2100.00} Which is being reported to XXXX. I do not authorize you to continually report a fraudulent account on my credit report. Additionally, Bank of America changed the address on this actual account to my address. AGAIN unauthorized, I did not agree to allow the address on this fraudulent account to be placed as my current address. MY Mail had been forwarded at the time the account was established. This has not been resolved is still ongoing and Bank of America continues to cause me monetary loss. Additionally, they will not allow any checking or savings accounts to be established because of the Fraudulent accounts that they have internally. These accounts none of them were authorized. I do not have business with Bank of America nor a relationship with the Bank. Please see the attached FTC Affidavit which is sworn under perjury. Additionally the FTC Notice to Furnishers which requires you to complete an investigation.

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 2019-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CORELOGIC INC
State: FL

Complaint narrative:
On XX/XX/2019 I switched from cell phone companies. My new cell phone company was XXXX XXXX and I was no longer an XXXX customer. On XX/XX/XXXX I did receive an email from XXXX   in which they charged the month of XXXX. It was XXXX dollars. A couple of days later, I made a call to XXXX to ask them about the bill. One of their representatives checked my account and told me that they made a mistake. Days later, they put the money back into my account. A month after they emailed again. For the second time, they charged for the month of XXXX. Again they took the money from my bank account. I called them again and explained my problem. The lady apologized for the issue and told me that she would refer the case to the right department. This time she closed the automatic payment from my former account. She told me that I had to pay XXXX for one day with the service. She then processed the payment and told me not to worry about the issue. The next day the money was backed into my account. Four months later I received a letter from Credco a collection company. They informed me that my account was in the collection. I could not believe that this was happening. I called XXXX one more time and spoke with another representative. He did check my case, called his supervisor and apologized to me again giving me the same story. I did ask for a letter or email as my evidence but they refused. Still today I have my former XXXX account in collections.

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 2019-11-26 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: NY

Complaint narrative:
I never had credit or applied for any types of credit or loans. I recently downloaded XXXX and saw a couple accounts listed on my credit report that I have no knowledge of. I ask that these accounts be removed from my report because they don't 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 2019-11-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
This company charges exorbitant fees, so I still make it a point to pay it off every month to avoid fees. Again, this month they would not let me pay it off in my usual large payments. I made the first payment and then a second smaller payment when I started receiving errors. When I went to make the third/final payment the system would not allow me to complete the payment. I received the error " This request can not be serviced at this moment. Please contact AF247 for more details. '' When I called them I received repeated canned responses with no support. They had the nerve to tell me making large payments sets off security concerns and made me " validate '' myself all over again by sending them my credit card and driver 's license over email ( I'd done this multiple times in the last few months ). This purposely causes a delay in order for them to impose their fees by PREVENTING me from making a payment. To clarify, the problem is not with my bank or credit union ( payments were attempted through two debit cards from different banks AND direct from my checking account on file ). This error message came up when I tried every form of payment. The problem is 100 % with AF247. The MUST release their unethical hold and allow me to pay the full amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Our mortgage was bought from XXXX XXXX to Carrington Mortgage in XX/XX/XXXX. Sometime in XX/XX/XXXX we missed a payment. When we received a letter from them, we looked back through our records trying to find where we messed up. We kept getting late notices and we were sent to collections every month. Carrington also sent notice to the credit bureaus. We spoke with Carrington several times and everytime we got someone on the phone, they were having computer issues or " would put on note on the account ''. We spoke with a knowledgable lady at Carrington and she told us that they keep putting our funds in a " reserve '' account if the check we send in is for an amount different from the amount owed. Even if the money was sent in on time, it would be put into a reserve account, they would charge us a late fee and send us to the collection bureau. Everytime we call we get someone who doesn't speak XXXX well, or doesn't understand what we are saying. I called on or approximately on XX/XX/XXXX for the same reason. {$1100.00} was sent in and it was placed in a reserve account. We asked to have a face to face meeting with someone to go over where the error is and find a way to fix it and we were told there is no one within 200 miles. Carrington was going to email us copies of all payments made from the time they bought our loan until now but of course the computers were down and they could only mail it. I just received them this evening of the XX/XX/XXXX. Due to all of this, our credit has been destroyed. Everytime we think we are caught up, we end up going deeper in the whole and can not get a straight answer from anyone. Also, I tried speaking with Carrington Mortgage several times about PMI insurance. When we bought our house in XX/XX/XXXX, our mortgage was {$1100.00} and that included PMI. Our mortgage payments now are {$1100.00} and they claim we are no longer paying PMI. If we are no longer paying PMI, why hasn't my mortgage payments dropped? No one can give me an explanation for this other than I am not paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: DE

Complaint narrative:
I initially opened up a credit card with XXXX XXXX in XX/XX/XXXX. XXXX XXXX sold my account to XXXX XXXX in XX/XX/XXXX. Based on my credit report with TransUnion, XXXX it look as if this account is only 2 years only when its actually 4 years old. TransUnion is stating that based on their on investigation the date of XX/XX/XXXX is correct. I have emails that state I was paying on this credit account in 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 explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
ON XX/XX/2019 I FIRST REACHED VIA TRACKING SIGNATURE MAIL IN WHICH THIS COMPANY SIGNED FOR THIS REQUEST ON XX/XX/2019 AT XXXX XXXX   ACCORDING TO MAIL GREEN CARD USPS TRACKING THIS COLLECTION AGENCY NCB MANAGEMENT SERVICES NEVER REPLIED BACK WITHING 30 DAYS OF MY REQUEST FOR VALIDATION OF DEBT AMOUNT XXXX ACCOUNT NUMBER XXXX IN WHICH I DISCOVERED REPORTING ON MY CREDIT FILES WITH XXXX, XXXX, XXXX ON XX/XX/2019, I EVEN DISPUTED THIS ACCOUNT WITH LISTED CRA AND THIS COMPANY NCB MANAGEMENT SERVICES VIA TRACKING SIGNATURE MAIL NEVER REACHED BACK TO ME SO I THAN REQUESTED AGAIN ON XX/XX/2019 VIOLATION OF DEBT VIA TRACKING GREEN CARD SIGNATURE MAIL BY THE USPS IN EACH LETTER I ADVISED THIS COMPANY TO cease and desist ALL COLLECTION ACTIVITY AND TO STOP REPORTING UNVERIFIED DEBT TO CRA IMMEDIATELY ON XXXX I RECEIVED A COPY OF A BILL SUMMARY LISTING A INACCURATE NAME LISTED FOR DEBT, DEBT AMOUNT OF {$7700.00} IN WHICH NCB MANAGEMENT SERVICES IS REPORTING FALSE TO LISTED CRA AGENCIES I DISCOVERED THE ACCOUNT NUMBER REPORTING ON NCB MANAGEMENT SERVICES BILL SUMMARY IS REPORTING A DIFFERENT FALSE ACCOUNT NUMBER XXXX COMPARED TO ACCOUNT NUMBER { XXXX } LISTED WITH CRA AGENICES XXXX, XXXX, XXXX I THAN ADVISED EACH CRA TO INVESTIGATE FCRA VIOLATION AND FDCPA VIOLATION AND EACH CRA REPLYED THAT THIS COLLECTION AGENCY IS ADVISING THERE AGENCIES THAT ITS COMPANY IS REPORTING REPORTING ACCURATE ACCOUNT INFORMATION UNDER THE FCRA AND FDPCA HOWEVER I HAVE MAILED NCB MANAGEMENT SERVICES VIA TRACKING MAIL A COPY OF ITS BILL SUMMARY THAT WAS MAILED TO ME ON XX/XX/2019 I HAVE ASKED THIS COMPANY TO IMMEDIATELY STOP REPORTING ITS FALSE AND UNLAWFULLY REPORTING AND TO DATE XX/XX/2019 THIS COMPANY HAS STILL REPORTED FALSE AND INACCURATE ACCOUNT INFORMATION TO EACH CRA REPORTING AGENCIES CLEARLY IN VIOLATION FCRA SECTION, { 15 U.S.C. 1681-1681 } { SECTION 15 USC 1692 ( g ) Section 809 ( b ) } Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits unfair or deceptive acts or practices in or affecting commerce ; SECTION USC 1692 ( g ) Section 806 ( 5 ) AND MANY MORE VIOLATIONS

Company response to consumer: Closed with explanation