vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-15 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: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I do not understand why Experian is refusing to delete a XXXX account on my credit report that does not belong to me. It is reported to have been opened in XXXX XXXX with account number # XXXX. I have called XXXX and XXXX XXXX multiple times and it has been confirmed by their representatives I have never taken an account with them in their records. Experian and XXXX mistakenly started reporting this account a couple of years ago and since then, I have been fighting them tooth and nail to delete this from my report. XXXX recently finally deleted this account once they validated it was not my account but Experian is refusing to acknowledge my complaint and keeps telling me to contact XXXX. I am filing this complaint because I have already done my part in contacting XXXX and Experian is the one who is not doing their job. This is not my account and it needs to be deleted as soon as possible from my report. I am including a copy a recent report which shows how only Experian has this account on my credit. XXXX and XXXX are not reporting this. I am also including a screenshot of the deletion letter from XXXX verifying it is not my account and it was deleted.

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 2018-01-15 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: PA

Complaint narrative:
I am XXXX years old and will spend the rest of my life having to freeze and unfreeze my credit accounts because of the Equifax security breach. As I move towards buying my first house, I called to unfreeze my account so a mortgage lender can review it. The online and phone systems both do not allow me to unfreeze, and also alerted me that after XX/XX/XXXX, I will be responsible for paying for freezes and unfreezes. This is blatantly unfair that the burden rests on consumers to pay these fees. They have essentially, in the process of poorly safeguarding incredibly sensitive information, ensured themselves ongoing profits! This is unacceptable. 

As a financial institution, this security breach shows that this company should not be trusted with consumer information that can make or break our lives. I 'm writing to request that the CFPB do whatever it can to shut Equifax down, and to please include me in any class action suits against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have called Experian consumer relations to notify them of an account with XXXX XXXX XXXX that is on my credit report by error. I have disputed the account with Experian but everytime I speak to someone on the phone, it sounds like someone out of the country and not someone who can handle my concern. I have tried to explain to the Experian representatives on more than one occasion that they need to obtain the agreements from XXXX XXXX XXXX regarding this account so that they can find the discrepancies and know why it is on my credit report when it should n't be. I tried calling XXXX XXXX XXXX myself but I have not been able to have them help me because this account has information that does not match mine. Experian continues to report this account on my credit report.

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 2018-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
These inquiries were not authorized because I was already pre financed through my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am on the Federal do not call list. However the Compamy Oportun calls me several times a day for the last several weeks, despite requests to not call. I just hang up on them now. I have lived at my residence for more than 15 years. Now they have resorted to mailing Loan offers to people who do not live at my residence nor do I know them. 

The following two invitations using my address were mailed on the same day. 

Invitation # XXXX adddressed to a XXXX XXXX Invitation # XXXX addressed to a XXXX XXXX XXXX This is encouraging identity theft creating profiles for people who do not live at this address. When I called to complain they said they received this information from credit Bureaus. That I am pretty sure may be a lie, this information was given to me by XXXX XXXX who represented he was the Supervisor. I called back and spoke to XXXX XXXX and filed a report again the Report # he gave me is XXXX The interest rates offered on these loans is an APR of 44 %, and 49 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I requested Citibank to remove delinquent from my credit report based on the following issues that resulted in the delay of balance payment in my XXXX charge account : 1. Citibank sent the Bill of Statements to an invalid email account. 
2. Citibank failed to pursue other method to deliver the Bill of Statement.

3. Citibank sent a notification letter via United States Postal Service in an untimely manner. 

Citibank received automated email message and was informed that email message, Bill of Statement, was returned undeliverable. This is the content of a letter dated XX/XX/XXXX that I received from Citibank. Citibank failed to pursue other method to deliver the Bill of Statement as soon as Non-Delivery Report email message was received. Citibank allowed two billing cycles to lapse before a notice to account holder was initiated and sent as shown in the letter of notification with a date XX/XX/XXXX. Interest charges and late fees were incurred as a result. 

My payment history with Citibank N.A. and to any other credit card issued bank or financial institution have been spotless up until this incident. I would extremely appreciate if Citibank reconsiders and honor this request to remove the delinquent from my credit report.

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 2018-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA not mine / No knowledge of the account / too many inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I paid my Mortgage to US Bank, XXXX and {$200.00} toward principle reduction. The receipt show the date paid as XXXX XXXX which makes the payment late and a late fee of {$50.00} is due. I ask the teller that accepted the payment, XXXX, I do not beleive that XXXX is her actual name I had to ask her 3 times for her name, claimed that US Bank policy forbid her from writing the actual date the payment was received on the receipt or giving her name or Employee # to identify her. She said quote " I do not want to be liable for receiveing the Mortgage Payment ''.

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 2018-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Over the past 3 years I have experienced life changing events that have caused me to have difficulty to make my student loan payments in a timely manor. I have been through a very costly divorce and custody battle with my ex-husband after 10 years of marriage. I had contacted XXXX the servicer of my XXXX XXXX XXXX loans on multiple occasions requesting help with my student loan payments. There were no options available to me other than to pay the payments set. In XX/XX/XXXX I was unable to make the payments. The accounts serviced by XXXX for XXXX XXXX XXXX defaulted after 120 days of non-payment. I was able to locate that my loans were in default status with a collections company called XXXX, XXXX XXXX XXXX. In XX/XX/ I made a {$2300.00} payment to XXXX XXXX XXXX over the 5 loan origination 's to bring them current. I requested a reasonable payment plan and for my loans to come out of default status if I brought them current on the past due payments. I had brought the past due amounts current in XX/XX/XXXXand I was willing to resume payments. The collections agency XXXX XXXX XXXX on behalf of XXXX XXXX XXXX refused to work with me. They continue to threaten me that the entire balance due of {$36000.00} is due immediately. They threaten me with wage garnishment and that these loans will stay on my credit report until the full amount is paid. I have paid XXXX XXXX XXXX for almost 9 years. The payments have been consistent. This company is being unfair, unrealistic and abusive. It is not practical for me to come up with {$36000.00} when I have been struggling to make my minimum monthly payments. I have investigated that many companies will bring an account out of default and negative credit reporting when the account is brought current. This company is refusing. They threaten to ruin my life and my financial stability for many years to come. Even though I have made an evident effort to reconcile my debts. When I called XXXX & XXXX the first week in XXXX to make a payment. The representative refused my payment and told me to just mail it in. This makes it appear as if my payments were even more sparse. I know they are able to accept payments by phone because they took my payment of {$2300.00} by phone. I assume since the payment was much smaller in scale. It was not worth the representatives time. I am absolutely disgusted. I have been a good payer of my debt to this company for 9 years. Now my life and my children 's life will be ruined for ten plus years because they refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: NJ

Complaint narrative:
XXXX/XXXX/18 - My mortgage is with XXXX XXXX ( based in Tennessee ), and I called to make a payment arrangement. I am only 1 payment behind. The person that I was speaking to was extremely rude, and berating towards me. Comments such as " You are taking advantage of our kindness '', Comments about my integrity as a person, and threatening to take my home if I do n't make a payment in 4 hours. I attempted to explain my unforeseen circumstances, but I was constantly interrupted. I have been a customer for over 7 years, and I have been repeatedly spoken to in a degrading manner. I understand mortgage companies have a job, but to be berating me like a child is completely unacceptable. 
Thank you for you time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA not mine / No knowledge of the account / too many inquiries.

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 2018-01-15 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: CA

Complaint narrative:
I am very frustrated with Equifax. My attorney has also had the same experience with them. I do not trust them, especially with the most recent data breach they had. I have had accounts on my credit report that were never applied by me. As soon as I saw them on my credit, I immediately reported them to have them removed off my credit. 

XXXX and XXXX were great and helpful in removing this fraudulent information but Equifax continues to respond to me with canned letters, never providing me with any relevant information on the investigation. How can it be that XXXX and XXXX  removed the fraudulent information but Equifax has n't. It is the same exact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I fell behind on my minimum payments due to being completely displaced from Hurricane Irma, I lost my job due to it and couldnt return to my home due to all the damage. I called them and talk to a represntatice back in XXXX and told them there was no way I would be able to pay my minimum payments even though I wanted to because I needed to put all my money towards food and shelter for me and my family. Anyways long story short is they told me they would do anything they could to help me in this situation and to not worry. However after reviewing XXXX XXXX it shows me that I have 2 missed payments for the months of XX/XX/XXXX and XX/XX/XXXX on my credit history. All of my other credit card companies understood and did not blemish my credit with late payments. It was only capital one and after speaking to them there they essentially said they cant do anything about it. I understand I was late on my payments but I called them, i was displaced from my home and I lost my job which was the only source of income for my family. I now am trying to pick up the pieces and finance a new house for my family and I but because of these 2 missed payments for XX/XX/XXXX and XX/XX/XXXX I am getting a very bad rate with the Banks making the home I want to buy unaffordable for me and my Family. They did report accurately because I was late on my payments for those months but they assured me on the phone and what I read on their website that they were doing everything and anything they could for their customers through this hard time. So I didnt pay any attention to my card for those few months and only got up to date with my payments recently because I could finally afford to. I want these 2 late payments reversed due to a natural disaster that I had no control over along with the fact I was under the assumption I had a grace period where I was assured not to worry, Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Worldwide Processing Group, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX i received a call from XXXX from the number XXXX, the caller said he was calling about a debt from XX/XX/XXXX and when i asked for more info or to send me something over the mail he laughed and it said i was in position to demand anything and they were going to sue me. I hung up and then he called my employer asking him how it was possible he would employ someone like me? I called them again and he just said he had every right to do what he did because he called my work number and not my personal number. A guy by the name of XXXX EXT XXXX promised to look into the issue and all he did was have the first caller call me again to work, thats 3 times in one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Applied for refinance loan -amount {$150000.00}. early XXXX. Provided reams of info requested. My situation : 1.Enough cash on hand to pay off ; 2.Mortgage payment of under $ XXXX vs income of $ XXXX ; 3.Appraisal ( at my cost of over {$500.00} ) came in at {$290000.00}. 4.Income reliant on guaranteed pension/annuities ( not risky ). I have submitted all info requested but have been informed that I have withdrawn my application ( I HAVE NOT! ) 5.Local bank manager has lodged protest on my behalf. Last communication from bank ( notifying me that I have withdrawn application ) over two weeks old. NO response to my requests for follow ups. I believe that Bank of America is prejudiced against me for one of two reasons : 1.My wife and I are XXXX XXXX XXXX or 2.Bankruptcy in XXXX due to business failure. They have cost me time, money and a lowered credit rating due to their intransigence.

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 2018-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
We are going through financial hardship and we submitted a loss mitigation application in XXXX XXXX. The loan company is difficult to get a hold of. We faxed documents and we would follow up with a call and told application is in review, Then weeks later something comes in the mail saying " we are missing pg 3 & 4 '' we would email it to the email provided and no response. So finally we received a letter in XXXX XXXX saying loss mitigation application denied for not sending information timely. This is very frustrating we are now 3 months behind and can not get any 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 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted Equifax several times about an account from XXXX XXXX that was always paid on time. 

There records are contradictory. It shows my account as always paid on time but they are reporting it as a charge-off account. This is impossible as an account always paid on time can not be charged off. Please see attach documents where you fill find Equifax reporting this as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX i received a call from XXXX from the number XXXX, the caller said he was calling about a debt from XXXX and when i asked for more info or to send me something over the mail he laughed and it said i was in position to demand anything and they were going to sue me. I hung up and then he called my employer asking him how it was possible he would employ someone like me? I called them again and he just said he had every right to do what he did because he called my work number and not my personal number. A guy by the name of XXXX XXXX XXXX promised to look into the issue and all he did was have the first caller call me again to work, thats 3 times in one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX 2017 {$1700.00} I have never enrolled in this school. I have tried to contact them on the matter with little to no information, I have also filed disputes and still nothing. I called the XXXX and started another dispute and now Im waiting. I had started receiving emails from them but had no idea of what they were talking about and the emails just kept coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Asset Management Outsourcing, Inc.
State: SC

Complaint narrative:
This charge was supposed to be paid through insurance company but was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: MI

Complaint narrative:
Hello, I am filing an complaint with the company LJ Ross as they have been trying to collect a debt that is not mine. The dates that they claim the account to be opened on are below. I have tried to resolve the late payments with this company and have not gotten anywhere. These debts were paid by the medical insurance company and are not owed. Please remove these off of my credit report. I am trying to buy a home and these are holding me back. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation