vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-03 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: CA

Complaint narrative:
I am filing this report today XX/XX/19 because unfortunately, someone named XXXX XXXX opened an account in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed this unauthorized account until today is because I applied for a loan and I was denied due to that account being in negative standing. I did not open that account and I do not have any written/verbal contract with that company nor have I ever allowed them to run or access my credit information. I did not get anything as a result of that account being open in my name such as money, goods, services or any other benefit and I have already filed a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 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: MA

Complaint narrative:
On XX/XX/2019 my credit card company sent me an email saying that new credit cards were mailed per my request. I called them and said that I never ordered new cards. They cancelled the credit card number and no fraudulent charges were made. They issued a new card to me and instructed me to file a police report. The police department instructed me to file a fraud alert. Unbeknownst to me this fraud alert would prevent me from getting a mortgage that I had applied for. I called all 3 credit bureaus to remove the credit freezes on my accounts and remove the fraud alert. This required hours upon hours on the phone and faxing confidential information trying to resolve the issue. I had to continue to work with only one mortgage company and was not able to shop for a better interest rate. They were finally able to get two credit scores and the mortgage went through, albeit at almost .50 % higher than prevailing interest rates. On XX/XX/2019 I received a letter from XXXX. I am a college educated professional with XXXX years in the XXXX XXXX industry but I am not able to discern what the letter is telling me. There is no phone number on the letter so there is no way to call them to ask questions. I tried their website for help and had no luck. I tried various toll free numbers from the internet. None of them were helpful and it was impossible to reach a live representative. I can't even mail something to them because I don't know what they their letter means so I don't know what to mail them. A couple of weeks ago I had a similar experience with Equifax. Although I was able to speak to a representative they said they could only remove the fraud alert if I mailed in a letter, because I don't have access to a fax machine, with a copy of my social security card and driver 's licence. I am reluctant to do that because it is possible that this information can get lost or stolen. It is unconscionable that the credit bureaus are able to hold the public hostage in this manner. I am at my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: CA

Complaint narrative:
I am filing this report today XX/XX/19 because unfortunately, someone named XXXX XXXX opened an account in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed this unauthorized account until today is because I applied for a loan and I was denied due to that account being in negative standing. I did not open that account and I do not have any written/verbal contract with that company nor have I ever allowed them to run or access my credit information. I did not get anything as a result of that account being open in my name such as money, goods, services or any other benefit and I have already filed a police 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 2019-10-03 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: CA

Complaint narrative:
I am filing this report today XX/XX/19 because unfortunately, someone named XXXX XXXX opened an account in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed this unauthorized account until today is because I applied for a loan and I was denied due to that account being in negative standing. I did not open that account and I do not have any written/verbal contract with that company nor have I ever allowed them to run or access my credit information. I did not get anything as a result of that account being open in my name such as money, goods, services or any other benefit and I have already filed a police 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 non-monetary relief
Consumer complaint received 2019-10-03 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: FL

Complaint narrative:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this 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 2019-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRSTBANK
State: KS

Complaint narrative:
I am disputing 4 different charges of $ XXXX/each ( {$2000.00} total ) using XXXX XXXX made on XX/XX/2019.  Never received merchandise. Seller is not responding to any forms of contact to return payment or send merchandise. I contacted the bank ( XXXX XXXX XXXX XXXX ) as soon as this happened and theyve stated theyre unstable to dispute the charges as of XX/XX/19. I have filed a police report with the local police on XX/XX/19, as well.

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 2019-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I opened my account with Capital One in XXXX of 2019. Since the time of me opening my account I have paid every balance off in full before the billing cycle ends. I have never carried a balance on this account. XX/XX/2019 I traveled to XXXX, where wifi and cell phone service is very spotty. I paid my balance in full due for the month of XXXX. In XXXX, I paid the minimum payment that was due. As I always do, I attempted to pay the full balance off from my card. Being that I was in XXXX, I transferred all of my money from one account to another. This in turn caused my two additional payments for the month of XXXX to " kick-back '' and not fully process. I was unaware of this until I checked my credit report XX/XX/2019 only to realize my Capital One account had been closed. I immediately called Capital One attempting to resolve this issue and was denied not only by the service rep by also by the XXXX the Account Supervisor. I asked XXXX to record the phone call so that there was evidence that I did indeed attempt to pay my card in full but Capital One is denying to accept the payment even before the actual billing cycle ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: FL

Complaint narrative:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this 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 explanation
Consumer complaint received 2019-10-03 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: FL

Complaint narrative:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
We are a XXXX XXXX XXXX XXXX XXXX that specializes in short sales. We are in the process of a many short sales with PHH. Every short sale file seems to take up to 6 months after submitting a complete short sale package. I call PHH almost every week to get a status and about every call I get opposite updates that I received a week ago. For example, last week PHH tells me they have a completed short sale package and the appraisal results are in and we should have a decision is a week or 2. I call back 2 weeks later and then they tell me there is no short sale review and they have no record of an appraisal ever being ordered? About 5 weeks ago I personally let the appraiser in and PHH verified that the appraisal has been ordered and the appraiser mentioned that he received the order from PHH. I have so many stories like this on every PHH short sale file we work on. Can someone please step in and help PHH with their short sales and provide a decision in the time period like they are supposed to. 
I spoke with XXXX XXXX ID # XXXX one of the managers in the loss mitigation department today and she said they need a lot of " fixing to do '' ... Can someone please help PHH to obey the rules and guidelines that are in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: NC

Complaint narrative:
Items are on my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This complaint is filed to express my disappointment in the way Comenity Capital Bank handled a good will attempt from me as the customer to resolve a missed / late payment that occurred in XX/XX/2019. I had the unfortunate experience of having my wallet stolen in XX/XX/2019 there within my identification, bank cards, credit cards and my bank account numbers were stored. As a result, I had to freeze my bank accounts and cancel the credit cards in preventative steps to avoid further incident. My monthly reoccurring Zales XXXX account payment was tied to my bank account and was automatically withdrawn on due date every month. During this distressful period of trying to monitor my accounts against fraudulent activity after the theft, closing credit cards and having them reissued I also had to switch the bank account I had on file setup for automatic withdrawal with respect to the Zales credit account. Therefore, a couple of payments to creditors were late that which included Comentity Capital Bank. Once the oversight was detected I immediately corrected the deficiency and made the payments that were unintentionally missed to the creditor. Regardless, Comenity Capital Bank has reported a 30-day late payment to the bureaus that I discovered later and my credit scores have been significantly impacted as a result. My credit history with Comenity Capital Bank was in excellent standing prior to this incident. I explained details of my situation in good will and faith to Comenity Capital Bank and to my astonishment no help was extended by Comenity Capital Bank even as a one-time courtesy, given the extenuating circumstances, to reverse the adverse reporting made to the bureaus. I was extremely disappointed at their refusal to reconsider my request given the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Victim of identity theft U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 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: AZ

Complaint narrative:
I have filed and been discharged from a chapter XXXX bankruptcy. I was also a victim of identity theft a couple years back, I submitted all information to ALL 3 BUREAUS TO HAVE MY information fixed. No one has fixed the information. I now have 85 INQUIRIES on my credit report which were unauthorized. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX, I purchased windows for my home ( as the windows were beyond repair ). Lowes worked with me on this, and stated that I could get the promotional 24 months interest free. I knew that I would have this paid for and have always made my payments allocated to where the " promotional purchases '' were paid and plus the additional principal and interest for that particular month. The purchase of the windows were {$5000.00}. 
In the latter part of XXXX, my washing machine and dryer went out as well. Upon having to purchase these during the " XXXX XXXX Sale '', I knew that the windows would be paid for ( since obviously they were purchased first, then the washer and dryer ), but I was willing to pay the interest on the washer and dryer vs. the windows. 
It was XX/XX/XXXX when I realized that Lowes had placed the washer and dryer purchase BEFORE the windows ; therefore, the payments were all being applied to them and NOT the windows. I panicked and immediately emailed them to inquire. I got a very valid response, and the representative did not answer my question as to why they placed this purchase BEFORE the windows, so today, I saw where they put {$3400.00} of JUST interest on my credit card statement, which put me negative on my card. I don't know what to do as they completely did NOT place in the disclosures that the purchases would be placed in a particular order, when it's common sense that the " older purchases '' are paid for first, then the rest, which is how all other processes are completed ... .. or so I thought?

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 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Victim of identity theft U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
A home in our sub-division, XXXX XXXX, XXXX XXXX, CO XXXX was abandoned, and the mortgage company now owns it. However, the mortgage company has refused to provide upkeep on the yard. It is now so overgrown with weeds and grass that it has created an eyesore, and affects the value of the homes surrounding it. 

I contacted the mortgage company, Mr. Cooper, starting on XX/XX/2019 to notify them of the condition of the exterior grounds, and to request that it be addressed immediately. I was assured it would be addressed by their preservation team. 

No action whatsoever has been taken by Mr. Cooper despite multiple subsequent calls in which I have been assured that the yard maintenance would be done. 
This a middle-income neighborhood that is doing its best to maintain our homes and our property values. Mr. Coopers negligence is affecting the value of the homes in the neighborhood, and is an insult to our community. As XXXX of the XXXX XXXX, I represent the XXXX XXXX  XXXX members who have had enough of Mr. Coopers purposeful neglect. 

Mr. Cooper is doing a disservice to our neighborhood, and is showing a lack of respect for the responsibilities of property ownership that is disgraceful. 
While several neighbors have volunteered to help clean up this property, this would be encouraging Mr. Cooper in its negligence and disrespect and has been declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: NC

Complaint narrative:
Incorrect information reporting on my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
In accordance with State of Florida Department of Financial Services, it is not mandatory for homeowners to carry homeowners insurance. Two of my previous lenders did not require this insurance. Since the acquisition of my loan by Mr. Cooper, they as a new lender had to notify me about their requirements in a timely manner. This has not been done. 

Due to Mr. Cooper 's negligence, I ended up with so-called shortage of the escrow account. I have repeatedly called this company regarding the escrow account that had been created but never received detailed explanation what is it for and how it works in my case. 

It looks like this account is just a trick to extort money from me. I strongly oppose paying any fines and maintaining {$1200.00} balance in my escrow account because Mr. Cooper artificially created this situation by not notifying me prior to mortgage loan acquisition.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am delinquent on my student loans. The original amount was {$65000.00} and the total amount is XXXX. I checked with two websites online both of them federal govt student loan information sites. My loans were direct federal loans. My servicer is a collection agency that deals with delinquent loans. My guarantor was the Dept of Ed. Nowhere on these sites is there a mention of Wells Fargo Bank or their Direct Loan Program. In addition, I would never take additional loans from this dishonest, fraudulent, shady lender. Yet I am receiving bills for $ XXXX and a demand for payment in full on this loan with Wells Fargo being the original lender. Hmmm .... Im confused, did I consolidate? Refinance? Please provide all paperwork and terms and signatures on this debt for {$95000.00}. Please disclose in writing all necessary paperwork and proof of being the lender for my school loans. I have no knowledge of such a loan, I need my memory to be refreshed. I have a mortgage with you and {$110.00} in equity, therefore I have enough to cover said loan. But as far as payment, Im going to pay Dept of Education the XXXX unless you can prove your case. Kindly remove derogatory information from the 3 credit bureaus regarding this loan until you provide verification of being the lender. I am applying for my home equity line of credit this week and I already have a fraudulent credit card that you opened and kept opened for two years destroying my credit. I dont need another fraudulent item on my reports due to Wells Fargos history of scamming customers Thank you

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