vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This account is still reporting XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is still reporting XXXX XXXX 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 2019-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Disputed debt was discharged by XXXX  and XXXX because it was never owed by me. I have no awareness of this debt collection company Paramount Recovery nor have I ever been contacted by this company. No case number or contact information ever. I have submitted a dispute with XXXX and received a dispute number XXXX but there online program is not working so that you can obtain the results. I have excellent credit but this has caused my numbers to drop XXXX points..I need assistance regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm truly upset because I recently applied for a credit card and got denied so I go home and checked my credit report. I immediately notice things on my credit report that are not mine. This saddens me because it so easy for people to hack your information. I have contacted the FTC and my local police. These Items are not mine and I need these items removed from my credit report XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2019-03-26 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In trying to work with Equifax I had to answer identity questions. I understand how important it is to be the person I say I am, but the questions Equifax required me to answer where questions from many years ago and not easily remembered by people as they get older such as credit cards that were closed years ago or a particular bank that may have held a mortgage that was closed years ago. This is especially true as all these small accounts and payments to them where handled by my wife and I don't know those details off the top of my head, and she isn't around. What can be done to update these questions or make them something that can be answered if I am away from home and need to do something with a credit agency? 

Date of issue was today, XX/XX/19 in the evening

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 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: U.S. BANCORP
State: AR

Complaint narrative:
ONCE AGAIN U.S. BANCORP VIOLATES EVERY CONSUMER LAWS ON THE BOOKS. WE HAVE 11 CLASS ACTION MEMBERS TO WHOM FEEL THE SAME. 
CHRONIC " DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.

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 2019-03-26 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: GA

Complaint narrative:
I'm truly upset because I recently applied for a credit card and got denied so I go home and checked my credit report. I immediately notice things on my credit report that are not mine. This saddens me because it so easy for people to hack your information. I have contacted the FTC and my local police. These Items are not mine and I need these items removed from my credit report XXXX XXXX XXXX, XXXX 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 2019-03-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm truly upset because I recently applied for a credit card and got denied so I go home and checked my credit report. I immediately notice things on my credit report that are not mine. This saddens me because it so easy for people to hack your information. I have contacted the FTC and my local police. These Items are not mine and I need these items removed from my credit report XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 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: TX

Complaint narrative:
I would like to ask you to reconsider my application for your XXXX credit card. I recently applied and I was rather surprised to receive a delay regarding my application. I believe I received a delay in processing due to Equifax still not removing a consumer alert, fraud alert, and other alerts on my credit report although I have asked them to numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: TCF NATIONAL BANK
State: IL

Complaint narrative:
UNAUTHORIZED INQUIRY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
I divorced husband in XXXX, Quiken loans let us remodify the loan after the divorce and quikens loans acquired all documents to the divorce and quit claim deed XXXX put to me. So quiken loans knew we were divorced and I took I interest in House from this date, XXXX. In late XXXX, I XXXX sent in a application. To either modify or use one of their other options, since I had gotten behind. Quikens loans refused to let me do so claiming I couldn't do it, that only XXXX could, my ex husband. 
I had to go to the XXXX XXXX XXXX  to help. In learning from the attorney assigned to me, Mr. XXXX XXXX, I was informed that quiken loans had violated me in not recognizing me as " successor-in-interest ''. 
And refused to do so. I was forced to file chapter 13 bankruptcy to stop pending sale of my home. 
My attorney, Mr. XXXX sent quikens a letter asking them to recognize me as successor-in- interest, letter attached. 
I also have a recorder phone message from quikens loans from XX/XX/XXXX stating I could not do anything and that XXXX only could. 
Even after Quikens received this letter from my attorney, Mr XXXX from the XXXX XXXX XXXX back in XXXX, XXXX. Quikens is still refusing to acknowledge me as successor-in-interest. 
Quikens has never notified me and just today, Quikens is still sending correspondence to XXXX and not me regarding the mortgage, these 2 documents are attached, please notice dates of all documents. 
Quikens has and is still violating my rights as successor-in-interest under XXXX XXXX regulations as well as the " Real Estate Settlement Procedures Act, 12 C.F.R.1024 ( regulation X ) and any other federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
I was advised that I have two repossessions on my credit report. One of them was with Honda Financial in which my father was the co-signed for me. He paid the debt in full in a month or so in XXXX. I was not aware this was on my credit report. 

Secondly, I had an automobile financed with XXXX XXXX XXXX that was paid off in XXXX. They attempted to reposes a vehicle I had with them but I caught up the payment and they withdrew the repossession order. They car was later paid off by the insurance company due to it being totaled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I would like to ask you to reconsider my application for your XXXX credit card. I recently applied and I was rather surprised to receive a delay regarding my application. I believe I received a delay in processing due to XXXX still not removing a consumer alert, fraud alert, and other alerts on my credit report although I have asked them to numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/2009, {$1500.00} I sent letters they did not respond back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2016, {$7100.00} I sent letter but no respond.

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 2019-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
In XX/XX/XXXX, I requested any type of assistance from my lender since I fell behind on my mortgage payments. I was told to apply for financial assistance through my lender. I was asked if I applied before for a re modification and I said that I have and even stressed that I was worried that I wouldn't be approved since I already applied/ was approved in the past. Never once did they say that per FHA guidelines you can not apply for assistance within 24 months. We began the process of gathering all financial information and sent our first set of financial documents on XXXX. Over the next 2 months we went back and forth with our lender over issues stating that they didn't receive certain documents or we didn't sent the correct documents, but every single time when we would call to ask if what we sent was correct we were told yes. we spoke to numerous employees and all had different answers. We wouldn't find out that our documents were incorrect or missing until we received a document in the mail stating our package was incomplete. NO phone calls or answers to our questions when we would call to make sure they received said documents. We were always told it takes " 5 business days to review, call back on such and such date '' We also could never get in touch with our case worker in charge of our file. Never responded to messages or calls. Our case was closed 3 times over this which resulted in having to send everything over again to reopen our case. On XXXX, we received a letter that our package was complete and under review. During this time of going back and forth over missing documents, our mortgage went from being 3 months behind to 6 months behind. On XXXX I received a phone call that our request was denied due to reapplying for assistance within the FHA 24 month guideline. Not once did they mention this in the very beginning or else I would never be in this situation of possible foreclosure, declaring bankruptcy, etc.

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 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
Sometime in 2018 I reported a down line to XXXX in the back yard of the building I was at. The building had no power and I was not sure if the wire was live. In order to make the outage and service request they took my information and shortly after I received a letter in the mail with an erroneous electric bill. I called and told them the situation, which is that there was no electric bill in my name and that the information provided was only to put in the request because I thought it was dangerous. They told me they could not close the account because it was opened and had unpaid charges, which is not my issue. The person who opened the account was not authorized to do so and I have no idea what electricity they were claiming I used. The electric that was running to my area ( which I had found out was an illegal subsidy ) was not separate from the building 's main electric. There was never any electric bill there until I called to try to get help because there was no light and it happened shortly after a storm and I noticed a down wire. 
Completely fraudulent bill. They did not have any documentation to open the account and they refused to give proof of the electric service or close the account because I couldn't provide them with a lease, there was no lease. I was informed that in order to open the account they would have had to have a lease. 
I do not owe anything and the charges they sent to collections are now on my credit and affecting my score and ability to live and work. This company is completely fraudulent and should be shut down. I am taking them to court. I have been harassed, now punished, and had my credit blemished by their fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I tried to pay my BoFa credit card with my XXXX account, through the bofa app. The app failed twice ( closed out while using it ) while i was making a payment so i received no confirmation of my 1st payment. I tried again, it closed again. I tried a 3rd time and it worked, i landed on the confirmation page. I looked at my dashboard and only saw the 3rd payment confirmed so I was all set. 

I went to the app 2 days later and saw that all 3 started processing. I called bofa twice over the weekend and wasn't able to get through. Both times, I was asked to use the 'schedule a call back ' feature where I put in my # to get a call back when I was up. Neither time I received a call and was never able to reach a person. 

I could not afford all 3 payments for over 1K to go through in my XXXX   account, so I had to call XXXX and put a stop payment in for both the first and second payment. They waived one stop payment fee, but not the other for {$30.00}. 

I called Bofa the following week to address the fee, escalated to a supervisor, and again to a supervisor to try and have the XXXX fee refunded as a credit. I was told no supervisor was available so I scheduled yet another call back. 24 hours later and I am yet to receive a call. The fee did not originate from BoFa so I understand the agents inability to refund. However, the fee is a direct result of a system failure in Bofa 's system ( both the app itself twice, and then again twice when I called and the call back feature never called me ) and I had to take matters into my own hands to not receive an overdraft.

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 2019-03-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have an account that is showing charge off in my credit report XXXX XXXX XXXX I never got into an agreement with debt buyer. 

I had an agreement with XXXX XXXX XXXX to purchase a used XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

I have disputed this that I never got into an agreement with XXXX XXXX XXXX I dont understand why they continue to show that my account was charge off by them when the account was charge off by XXXX on XX/XX/XXXX. 

Also on my credit report on XXXX it shows Status Updated XX/XX/XXXX when that is not possible because agreement was made with XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
Credence Debt Collectors has been making harrassing phone calls. They have been calling me non stop for the past XXXX weeks at least 5 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: NC

Complaint narrative:
For 2 weeks now I have had someone low my credit up from all these car places and other places. I didnt authorize any of this would like you to please get these items off my hard inquiry. By law they are to have a written statement of me approving them to check my credit but this is crazy and I am trying to get my credit straight to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was gifted an AMEX SERVE card. Unbeknownst to me, I was charged a {$5.00} fee while the card lay idle. The card packaging clearly shows no fees in NY. NO where on the packaging does it say you have to call and register or activate the card first. In fact, the packages says no activation required. I attempted to recoup the {$80.00} from AMEX. I was denied. The AMEX SERVE team completely disregarded the packaging is misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been with XXXX XXXX since 1998. I have always had good credit but chose to just use 1 card. I had some Fraud go on with my account to BMO removed my history and my credit score went way down. They have only bought XXXX XXXX in the last few years. I need BMO to correctly report the following which is the facts : I have had XXXX  XXXX since 1998 I have credit limit of {$15000.00} I have never missed a payment. 

Please reflect this correct information to the 3 credit agencies ASAP. 

XXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX, New York 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 2019-03-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been with XXXX XXXX since 1998. I have always had good credit but chose to just use 1 card. I had some Fraud go on with my account to XXXX removed my history and my credit score went way down. They have only bought XXXX XXXX in the last few years. I need XXXX to correctly report the following which is the facts : I have had XXXX XXXX since 1998 I have credit limit of {$15000.00} I have never missed a payment. 

Please reflect this correct information to the 3 credit agencies ASAP. 

XXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, New York 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 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was issued an XXXX dollar refund to an old debit card but still my bank account. Wells fargo lost the XXXX dollars and is now trying to claim that they " refunded it immediately '' meanwhile the company I am working with and who has been extremely helpful has called there credit processing company multiple times and claimed that this has NOT been returned to them

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