vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-12 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: IL

Complaint narrative:
My information was stolen as part of the Equifax data breach during the summer of XXXX, which was first reported in XXXX, even though it was known internally at Equifax for several months. I have spent the better part of my day neglecting my job in order to find information on freezing my credit and other solutions that will prevent my identity from being stolen in the future. This has resulted in a decrease in hours, and a smaller amount of money earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Supreme Lending
State: TX

Complaint narrative:
On my loan Closing Disclosure on my house that I closed on XXXX/XXXX/XXXX. The tax credits provided by the XXXX were based off of XXXX 's tax numbers. However, my lender used XXXX 's tax numbers to seed my escrow and as the base for my house payment. It is now XXXX, and I have an escrow shortage of over {$6000.00}, and my house payment is going up by $ XXXX. The title company has explained that this is the practice of XXXX, but I am at a loss at to how it is ethical, or at the very least not disclosed to the buyer. My payment at closing was $ XXXX. Now I am being asked to pay back the shortage, and keep the account caught up to the tune of $ XXXX. 

Line XXXX of the closing document ( attached below ) in section XXXX or L clearly states the taxes for XXXX/XXXX/XXXX to XXXX/XXXX/XXXX were XXXX for tract XXXX, and then {$240.00} for tract XXXX Add those numbers and you get : XXXX Divide that by XXXX, as that accounts roughly for the first 7 months, and you get : XXXX. Our escrow was seeded based on a much lower number $ XXXX month. That is the issue. Along with our payment not being based off the higher tax amount. By my calculation, my escrow should have been seeded with {$1200.00} XXXX XXXX XXXX {$13000.00}, and not the {$11000.00} that is itemized on line XXXX in section G of the closing document. Thats a shortage of {$2700.00} roughly and then if you add the extra {$250.00} a month the our payment should have had added to it over the past 13 months, you get {$3200.00} Adding those together is just over {$6000.00} which is right where we find ourselves short.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: PA

Complaint narrative:
Equifax Inc improperly stored information possibly relevant to my credit history. As a result of a vulnerability in their systems, my information may have been improperly accessed and/or stolen. Furthermore, this breach was known since XXXX XXXX, but was not made public until XXXX. 

Any attempts to discern if my information was indeed obtained/accessed/ were not made clear, as the site they offered ( www.equifaxsecurity2017.com ) provided vague answers as to if I was affected. This site then requested that I check back at a later date to pay for a service to help address this problem. 

On XXXX XXXX, Equifax, as stated via XXXX ( XXXX XXXX XXXX ),  began offering free credit freezes, but only for the next 30 days. 
However, I 'll more than likely need to pay out-of-pocket with XXXX and XXXX to freeze my credit report in the event my information is used to open accounts with creditors that do not query my credit with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc.
State: TX

Complaint narrative:
file police report with XXXX police no knowledge of accounts violates my cra, hippa and my consumer rights also sent the ID theft gov to the proper companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In light of the hack of XXXX, I want to freeze my credit report accounts at the three main credit agencies. I was able to successfully freeze my credit reporting accounts online with two of the agencies ( XXXX and XXXX ).  However, when I entered the same information at the Experian website, I was informed that the freeze could not be put in place based on the information submitted. The companies should have consistent systems that allow for a freeze to be placed on an account online without having to go through the extensive process of sending information by mail. 

As an aside, the placing of a freeze on anyone 's accounts and the release of the freeze should be free as the data stored by the agencies is personal to the individual and should be controlled by the individual whose information is being distributed.

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 2017-09-12 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: AL

Complaint narrative:
This is in regards to the Equifax security breach. I have been given today 's date as an enrollment date for their monitoring service, but after thinking it over : that is n't good enough. I no longer trust them with my information. It was improperly protected by a company that should know better. 

With news out that executives sold stock before announcing this information publicly, it appears they did know better ; they knew how to benefit off treating the information they hold with cavalier indifference. As long as those stocks pay off. 

Now, those affected have to pay. Pay for monitoring. Pay for freezes. Pay for alerts. Police reports. Pay for unfreezing should you need credit. Not to mention the time it takes. XXXX, relatives/parents that need help? More time. More money. And what of the XXXX, Equifax? Thank you for making the grieving people of this country have to round up the info of their loved ones XXXX more time, to walk those lonely steps to secure accounts that should never have been exposed. 

And no one knows what will happen with this information. What is happening, already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: NC

Complaint narrative:
I have XXXX ( XXXX ) tax liens listed on my credit file ( XXXX ) with XXXX and Equifax that DO NOT MEET the Enhanced Phase XXXX ( PII ) Personally Identifiable Information standards for XXXX XXXX XXXX. These PII standards as outlined by XXXX and available publicly on the CRA 's websites, specifically XXXX XXXX own site states that XXXX XXXX MUST Include : Full Name, Address, Social Security Number and/or Date of Birth. I have filed disputes with both XXXX XXXX Equifax and included documentation showing that these tax liens do not meet the PII standards and must be removed immediately from my files with them. The disputes came back as " XXXX ''??? The " Official '' Copies of the tax liens : DO NOT provide my FULL NAME, DO NOT provide my FULL SOCIAL SECURITY NUMBER, DO NOT provide A CORRECT ADDRESS and DO NOT provide my DATE OF BIRTH. Since the records DO NOT PROVIDE THIS DATA they must be removed from my credit file ( XXXX ) with XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: NY

Complaint narrative:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
XXXX year ago I submitted a complaint and at the time US Bank claimed to have resolved this issue and sent me a letter saying that it has been resolved. This month I received a letter saying that the same issue has continued to happen. Please see case number : XXXX. 

I originally had a loan with XXXX XXXX Mortgage XXXX and that loan was sold to US Bank. At that time XXXX XXXX XXXX XXXX XXXX signed over and sent the money orders to US Bank. US Bank claimed to have not received the money orders initially but then said that they have received them but had not cashed them. They were charging me late fees and reporting missed payments on my credit report due to this issue. My XXXX XXXX has dropped more than XXXX points due to this issue. I received a letter on XXXX of XXXX stating that this issue was resolved and that they would update my credit report. Although my credit report has not been updated, I had n't heard anymore about this issue until XXXX of XXXX saying that the money orders were either not received or not cashed. The only option they gave was placing a stop payment on the money orders which comes at a cost ( that they are not willing to pay ) and that process takes at least XXXX weeks. In the meantime they are still reporting negatively on my credit report and charging additional late fees. 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 monetary relief
Consumer complaint received 2017-09-12 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: MI

Complaint narrative:
Non compliance of FCRA and Metro 2 compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am paying on a mortgage for my personal residence located at XXXX XXXX XXXX, XXXX, CA XXXX. I purchased the home in XX/XX/XXXX and it was financed by XXXX XXXX XXXX. The initial loan was an interest only 5 % fixed 40 year loan. The loan was interest only for the first 10 years, after which it would convert to a 30 year fixed rate note at 5 % until paid off in XX/XX/XXXX. I have made all mortgage payments on time since I have owned the home. 
XXXX XXXX XXXX sold the mortgage in XX/XX/XXXX. Please refer to the attached Mortgage Servicing Timeline. The loan has been sold five times since XXXX XXXX XXXX originally owned it. 
Although I have made all of my payments on time to the servicer I believed to be the correct one, one payment has gone missing. I believe this occurred sometime between XX/XX/XXXX and XX/XX/XXXX. I am honestly not sure which of these companies has my money -- -I  want it back. The current servicer, Select Portfolio Servicing stated to me on the telephone that they would be  responsible for recovery of the missing funds and return them to me if I could help identify the culprit. I assumed at the time this would include seeing that corrections to credit bureau scores would be made. One of their representative s told me he believed the evidence indicated there was a missing payment, but he was unwilling to give a letter to that effect. 
So far none of these commitments have been kept by Select Portfolio Servicing. It appears they believe that I am one month behind in my mortgage and my credit score is a miserable XXXX. It should be somewhere close to XXXX. 
I can provide bank statements for my XXXX XXXX credit union account for relevant months if necessary. The CFPB has my permission to view any relevant documents necessary to get this corrected. The loan recently converted to a fully amortized 30 year fixed rate loan. As a result the payment has increased and I am now chipping away at the principal. 

Please help me get this corrected, I am not sleeping very well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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:
In correspondence dated XX/XX/XXXX I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, this company is claiming that the items I disputed have been verified ACCURATE and CORRECT which is not true. The XXXX account is fraudulent sent XXXX a copy of my FTC AFFIDAVIT, NOTARIZED, a police report filed my IDs and letters requesting the account to be removed and blocked. XXXX 's confirmed that they received all these documents last XX/XX/XXXX and still is under investigation. So why claim that this item has been verified, correct and accurate??? Not removing this item is a direct violation of FCRA 605B. For the XXXX XXXX account, Sent them a debt validation request, same date. Instead of sending me validation documents, they sent me a collection letter asking me to pay an amount that has already been paid. THESE ARE VIOLATIONS of FCRA and FDCPA by the credit repositories and the creditors. My rights to fairly acquire credit has been taken away by these companies!

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 2017-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: IL

Complaint narrative:
I was contacted by a Mr. XXXX on the behalf of XXXX & XXXX apartments. This was end of XXXX to late XXXX early XXXX. I stated to him that I did n't owe them anything I was never presented with a bill after I returned my keys. He then stated to me that it would go on my credit report and I would n't be able to rent another apartment. XXXX XXXX or XXXX. I received a call from my aunt who was a cosigner when I first signed my lease with XXXX & XXXX, but she did n't sign when I renewed my lease with them. She stated that this XXXX guy has been calling her about a debt I supposedly owed to this apartment company. I stated to her that she should n't have gotten any calls because her signature was only on the first year that I stayed in the apartment. I called Mr. XXXX over 6 times. When he finally answered I stated my name and went on to ask why would he contact my aunt and she had nothing to do with my business because she did n't resign the lease when I renewed with this apartment complex, so she should n't have been contacted. I stated that he has disclosed personal information and asked could I speak with his supervisor he stated no and hung up in my face. I called back repeatedly he finally answered I stated that he waa rude and unprofessional and asked could I speak with a supervisor. He transferred me to another man. I stated my name and what I was calling for he too was rude. I repeated how mr. XXXX was very rude and how he has been contacting my aunt and informing her on information that has nothing to do with her because she only signed for the first year of my lease. He stated to that he was n't aware of what transpired between mr. XXXX and I and how do I want to settle my account. Still speaking in a even tone my voice is slightly elevated but not screaming. I said to him so after all that I said to you Thats your response. He then proceeded to tell me that my aunt was contacted because she was the guarantee on the lease so she is liable. I said no that not right because she never put her signature on the new lease that I had so how can that be. I then asked to speak to his supervisor he told me repeatedly and he too hung up in my face.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: CA

Complaint narrative:
I believe the 30 day late payment marker on my credit report by Roundpoint should be removed. XXXX made an error where they stopped my auto pay, never notified me that auto pay had stopped, allowed a missed payment to happen, did not send out my statement on time, and never contacted me regarding the missed payment. 

I have had auto pay set up with my roundpoint mortgage from the XXXX time I started payment. Sometime between XXXX XXXX and XXXX XXXX the auto payment stopped. I did not realized it had ended and thus missed a payment. There was never any communication from roundpoint that my autopay had stopped and a payment was not made. No phone call, email, or letter. I did not notice the missed payment until I received my follow on bill. In the attached statement you can see where the statement was sent 1 day prior to the payment being due. 

Once I realized the payment had been missed I immediately paid both the missed and current statements. I also reenrolled in auto pay. No reason was ever given as to why auto pay stopped or why the statement was late. 

I find it disingenuous that roundpoint has dinged my credit even though I have never missed a payment and was relying on their auto payment system. Further I was told it was my responsibility to check my statements but even in that case roundpoint did not get my statement out to me on time.

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 2017-09-12 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 believe the 30 day late payment marker on my credit report by Roundpoint should be removed. XXXX made an error where they stopped my auto pay, never notified me that auto pay had stopped, allowed a missed payment to happen, did not send out my statement on time, and never contacted me regarding the missed payment. 

I have had auto pay set up with my roundpoint mortgage from the XXXX time I started payment. Sometime between XXXX XXXX and XXXX XXXX the auto payment stopped. I did not realized it had ended and thus missed a payment. There was never any communication from roundpoint that my autopay had stopped and a payment was not made. No phone call, email, or letter. I did not notice the missed payment until I received my follow on bill. In the attached statement you can see where the statement was sent 1 day prior to the payment being due. 

Once I realized the payment had been missed I immediately paid both the missed and current statements. I also reenrolled in auto pay. No reason was ever given as to why auto pay stopped or why the statement was late. 

I find it disingenuous that roundpoint has dinged my credit even though I have never missed a payment and was relying on their auto payment system. Further I was told it was my responsibility to check my statements but even in that case roundpoint did not get my statement out to me on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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 believe the 30 day late payment marker on my credit report by XXXX should be removed. XXXX made an error where they stopped my auto pay, never notified me that auto pay had stopped, allowed a missed payment to happen, did not send out my statement on time, and never contacted me regarding the missed payment. 

I have had auto pay set up with my XXXX mortgage from the XXXX time I started payment. Sometime between XXXX XXXX and XXXX XXXX the auto payment stopped. I did not realized it had ended and thus missed a payment. There was never any communication from XXXX that my autopay had stopped and a payment was not made. No phone call, email, or letter. I did not notice the missed payment until I received my follow on bill. In the attached statement you can see where the statement was sent 1 day prior to the payment being due. 

Once I realized the payment had been missed I immediately paid both the missed and current statements. I also reenrolled in auto pay. No reason was ever given as to why auto pay stopped or why the statement was late. 

I find it disingenuous that XXXX has dinged my credit even though I have never missed a payment and was relying on their auto payment system. Further I was told it was my responsibility to check my statements but even in that case XXXX did not get my statement out to me on time.

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