vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax 's website to check for potential impact on their breach resulted in automatic enrollment in their program TrustedID. They said that if I inputted my information I would be able to figure out if my information had been compromised. However, when I did so, I received a message that said that I had been automatically enrolled with a date of X/XX/17. While I know that my enrollment is not complete, there website is advertised incorrectly to 1 ) provide me on information on whether or not my information had been compromised and 2 ) ask for my consent prior to enrolling me in their program. This must be fixed immediately.
https : //www.equifaxsecurity2017.com/potential-impact/

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: OR

Complaint narrative:
Hello! Equifax scandal!
Close the company DOWN!
Request SEC investigation of their executives.
Shut down ALL credit reporting scandals!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Tn XXXX XXXX XXXX cell XXXX XXXX Fax XXXX XXXX XXXX XXXX I had a real estate loan with GMAC Mortgage Corporation dba XXXX originated in XX/XX/XXXX. It was a home equity loan for a term of ten years with a principal amount of {$50000.00}. I paid off the loan. I entered a contract to sell my home in XX/XX/XXXX and could not close as scheduled onXX/XX/XXXX because the mortgage has not been released.
The XXXX result for the loan shows the loan status is " inactive. '' All requests to identify the proper servicer and seek a release of the mortgage have failed. The responses from 2 servicers identied as potential servicers for this loan are as follows : 1. " Ocwen Ocwen Loan Servicing, LLC ( Ocwen ) has received your recent inquiry regarding a loan ( the Subject Loan ) which may have previously been serviced by GMAC Mortgage, LLC ( GMACM ). As a result of the XX/XX/XXXX Chapter XXXX Residential Capital, LLC bankruptcy ling under case XXXX in the United States Bankruptcy Court for the Southern District of New York, certain assets of GMACM were sold to Ocwen effective XX/XX/XXXX, including servicing rights for certain mortgage loans. We have researched your inquiry and determined that Ocwen did not acquire servicing rights for the Subject Loan as part of the aforementioned sale. Accordingly, we regret to inform you that we are unable to assist with your inquiry. If you believe that Ocwen is the last servicer of record for the Subject Loan, please forward any documentation you may have in support of your request to : Ofce of the Consumer Ombudsman XXXX XXXX XXXX XXXX, FL XXXX Fax ( XXXX ) XXXX Sincerely, Ocwen Loan Servicing, LLC '' 2. " This is not one of our loans. We are not servicing this loan. We only purchased open loans from GMAC in XX/XX/XXXX. Thank you, DC-Lien Releases XXXX XXXX XXXX Document Custody | Servicing XXXX XXXX XXXX | XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona XXXX  XXXX XXXX | XXXX '' Show Quoted Content The inactive status of the loan, according to XXXX, Ocwen and XXXX, demonstrate the loan was paid off and I am entitled to a release of the mortgage. If it is not released soon, the buyer of my home may cancel the closing and I may suffer a nancial loss. Please help me identify the proper servicer or entity to release the mortgage and help me to secure a release. Please contact me with your response as follows : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX cell XXXX XXXX fax XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I.Q. Data International Inc. has attempted to collect the incorrect amount of {$1000.00} dollars from me when the correct amount is {$240.00}. I have documentation from the apartment complex who spoke with XXXX XXXX at I.Q. Data International and confirmed the correct amount.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08 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: NY

Complaint narrative:
XXXX XXXX shows on these date XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX No actions were taken by the company

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 2017-09-08 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: NY

Complaint narrative:
XXXX XXXX shows on these dateXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX No actions were taken by the company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Be advised that someone is in possession of my personal identifying information including name, address, phone, SSN and birthdate. The information was used to attempt to open a XXXX 's XXXX XXXX XXXX credit card via internet. Fortunately Synchrony Financial contacted me as a precaution which resulted in me looking at credit reports. The inquiry was noted at XXXX  I have since put freeze on three credit reporting agencies and taken actions to protect other financial accounts. I have no idea how this happened. The thieves had my husband 's cell number and not mine so that raises concerns regarding how the connection was made to obtain information. I am grateful to XXXX 's for having the extra level of security to verify when someone attempts to open a store credit card via internet. I also wonder what happens in the store itself?

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
Consumer complaint received 2017-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Comment : Shame on you! 

Last year I went to Union Bank in XXXX XXXX XXXX XXXX. I transferred money by wire, but the teller typed mistakes twice. Another time I asked teller to correct the name of the cashier 's check, but she refused and insisted me to go back to XXXX XXXX branch that issued the check. XXXX XXXX branch told me that any branch could do it. So I complained to the manager on XXXX XXXX, he felt nothing just said that he would coach the staff. I said that he should coach his staff before he put her at the counter and caused clients trouble. Then I received a letter from XXXX XXXX. branch to investigate my transactions. However that branch did not tell me which transaction had problem but asked me how much did I make per month. I only had a checking and money market account. Why? Then that branch closed my account, even I asked the branch to write down exactly what information they want and I would provide, and what transaction was violated what rule? But that branch said I am risky so they closed my account. Then I received an email to confirm the transaction I make to close my account on line which I did not do. If Union Bank considered anything I did wrong they should report to OCC or even FBI for investigation, not just closed my accounts and failed to write down exactly which account violated which rule. Shame on you Union Bank, no wonder you got penalties.

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 2017-09-08 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX did not authorize XXXX XXXX XXXX XXXX XXXX, XXXX did not authorize XXXX XXXX XXXX XXXX XXXX, XXXX did not authorize XXXX inquiry XXXX XXXX, XXXX did not authorize XXXX inquiries XXXX XXXX, XXXX and XXXX XXXX, XXXX did not authorize Cap XXXX inquiries XXXX XXXX, XXXX - XXXX XXXX, XXXX - XXXX XXXX, XXXX did not authorize Ccb/ppc inquiry XXXX XXXX, XXXX did not authorize XXXX XXXX - XXXX XXXX, XXXX inquiry was not authorized XXXX XXXX XXXX XXXX, XXXX did not authorize

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 2017-09-08 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
XXXX XXXX inquiry XX/XX/XXXX did not authorize Exeter Fin inquiry XX/XX/XXXX did not authorize XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiries XX/XX/XXXX and XX/XX/XXXX did not authorize XXXX XXXX inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX did not authorize XXXX/XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX - XX/XX/XXXX inquiry was not authorized XXXX XXXX XX/XX/XXXX did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiries XX/XX/XXXX and XX/XX/XXXX did not authorize XXXX XXXX inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX did not authorize XXXX/XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX - XX/XX/XXXX inquiry was not authorized XXXX XXXX XX/XX/XXXX did not authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
Original loan in XX/XX/XXXXwith bank XXXX XXXX, sold to secondary servicers, from XX/XX/XXXX until the other servicers went under and XXXX XXXX XXXX brought all their loans. In XX/XX/XXXXXXXX sold my loan to XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX to XX/XX/XXXX.
Then Ditech XX/XX/XXXXtoXX/XX/XXXX. Now another servicer ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX currently. I have had only two modifications : one in XX/XX/XXXX and then one just recently XX/XX/XXXX. Now they have sold my loan to another servicer. One thing that I discovered when I had my last modification, was that XXXX still owned the mortgage ( ditech ). Just recently, I received a email stating that I sent a letter to request to pay my own escrow? I have never given anyone nor have I sent a letter to request to pay my own escrow. Question, why are they doing this and do I have any recourse to stop the continuous selling of my loan? Attached you will find supporting documentation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax 's website to know whether you account has been comprised states that it well tell you if your account was compromised or not. When I submitted my info it only gave me a date and deferred me. It did not tell me what the impact was like it claimed to do. Now I have to wait till the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian just sent me a new credit report and they took off a negative report that should have been removed in 2014. This I was thankful for as it has cost me thousands of dollars in punitive damage.
To my disbelief they added a new negative credit account for original creditor XXXX XXXX Hospital which is the ultimate inconsiderate incompetence. I have never been a patient at XXXX XXXX Hospital or utilized any services from XXXX XXXX Hospital or received any type of bill from XXXX XXXX Hospital.
I believe this may be a relative but if they had had the decency to check the birthdate they would see this is and never was my bill. How dare they be so careless with my credit history ... ..enough damage has already been done.

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 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax recently had a data breach. They have a site set up to allow you to check if your data is breached and optionally enroll in credit monitoring : https : //www.equifaxsecurity2017.com/enroll/ when I put my information in, rather than validating if I had a data breach it immediately enrolled me in a credit monitoring service I do not wish to take part in, and presumably exempted me from a class action that I do not want to be exempted from.
You should not be forced to enroll to determine if your data was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX {$65.00} Opened XX/XX/XXXX XXXX XXXX  {$3700.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXX XXXX XXXX {$1200.00} Opened XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX U.S. Bankruptcy Court Reported on 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 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have contacted Equifax multiple times between XX/XX/XXXX through XX/XX/XXXX regarding account information not being update accurately and timely. Equifax ALWAYS say they did n't get any updates from my creditor, however my creditors XXXX XXXX and XXXX XXXX  verified that they have sent over updates. On XX/XX/XXXX all 3 credit bureaus were notified to update and delete a collection item from XXXX XXXX XXXX {$1200.00}. After many calls and disputes it took Equifax untilXX/XX/XXXX to remove the collection. There was an issues regarding me being an unauthorized used on a credit card that was reporting to my credit. The creditor XXXX XXXX with a balance of {$630.00} sent over a request to remove the account from my report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I even filed a dispute on XX/XX/XXXX regarding it and it took Equifax until XX/XX/XXXX to update the report. Now I am dealing with issues from Equifax on updating my XXXX XXXX XXXX account that was sent an update onXX/XX/XXXXfor {$370.00} and Equifax said they never got the request from my creditor, however I spoke with the creditor XXXX XXXX and they send the request to update on XX/XX/XXXX. XXXX XXXX Credit Card also sent over a request to update on XX/XX/XXXXfor my Credit Card with a new balance of {$140.00} and Equifax is stating they do n't have it. XXXX XXXX reported an additional update on XX/XX/XXXX from their last update XX/XX/XXXX due to their error, however Equifax is refusing to update stating 1. It would have to wait until my normal update of XX/XX/XXXX and 2. They did get the request from XXXX XXXX Also after having the original two items deleted from my credit report ( XXXX XXXX and XXXX XXXX XXXX Equifax decrease my credit score although my overall utilization balance decreased as did my total collection balances. Equifax is the only Credit bureau that does n't update my credit information in a timely manner. In addition they alway use the excuse they did n't get the information. I do n't have these issues with XXXX or XXXX. They get the same reported information from Creditors ( XXXX XXXX, XXXX XXXX, And previous creditor XXXX XXXX ) as does Equifax. Equifax is difficult and most often blames all their issues regarding updating credit reports on their system or the creditors. Equifax does n't update the accounts in a timely manner cause consumers like myself to suffer. After 2 full months my credit score has n't moved although I 've have many significant changes to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MD

Complaint narrative:
Discovers Customer Protection Services used the personal data that I submitted per their request and in defense of my initial ID theft claim for the acct. ending in XXXX to open a replacement XXXX account ending in XXXX ; using my valid credentials. Discover transferred the fraudulent acct balance of approximately {$3900.00} to the XXXX " replacement '' account ending in XXXX. The information I submitted in the initial ID Theft claim totally contradicted information that they relied upon to approve the initial fraudulent acct. ending in XXXX. Discover is now attempting to conceal information relevant to the fraudulent account by directing the Credit Reporting Agencies to delete all information relevant to that fraudulent account ending XXXX  and to add the information from their " XXXX '' replacement account ending in XXXX. Discover never acted ethically while investigating the initial ID Theft/fraud claim and acted unscrupulously regarding my request for documents ; they never honored the document request submitted by XXXX Police Detective or myself. To this day, Discover has not produced any records of signed agreements, etc. pertaining to the fraudulent account. I insist that they produce documents. Particularly, given the history of class actions law suites filed against them for allegedly producing fraudulent credit card agreements in order to collect money from their cardholders in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
In XXXX, 2017, I began receiving multiple calls, daily, to my cell phone, from a company called DIVERSIFIED CONSULTANTS INC, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, claiming that I owe {$260.00} to them and demanding immediate payment over the phone. I told them I did not owe this for multiple reasons. I then wrote to them and demanded verification of the debt, for them to validate it, to show me how they arrived at the amount, when and what this was for, and the agreement I signed. They did not. We have not had XXXX XXXX here for at least eight years now, maybe longer. It did not work as advertised, it was a service failure, and we canceled and returned the equipment many years ago and the issue was resolved directly with XXXX XXXX. It was installed poorly, did not work properly, and we returned everything and canceled shortly after the install. We have not heard a word about this for many years. Suddenly, the harassing calls began, relentlessly. and I had to block the number to my cell phone from their multiple lines. Today, they have attacked my perfect credit reports at all three agencies. It has caused my credit score to drop significantly. They are claiming we opened this account in XXXX of 2017 in a fraudulent attempt to re-age what would be an expired debt if it were valid, which it is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Acct Service {$65.00} Opened XX/XX/XXXXXXXX XXXX  {$3700.00} OpenedXX/XX/XXXX XXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXX XXXX XXXX {$1200.00} OpenedXX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX U.S. Bankruptcy Court Reported on 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 2017-09-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Acct Service {$65.00} Opened XX/XX/XXXX XXXX XXXX  {$3700.00} Opened XX/XX/XXXXXXXX XXXX XXXX {$1800.00} Opened XX/XX/XXXX XXXX XXXX {$1200.00} Opened XX/XX/XXXX U.S. Bankruptcy Court Reported on XX/XX/XXXX XXXX XXXX  {$250.00} Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief