vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-17 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: GA

Complaint narrative:
Experian will not retrieve my pin or unfreeze my credit, despite me supplying all of my information correctly multiple times

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 2019-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have 5 inquiries on all 3 credit bureau. I didnt apply for credit with Capital One. When i called them about the dates XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX. When i called about these inquires they have no records associated with my social security #.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Bridgecrest formerly XXXX XXXX has mixed up some records showing a joint account beginning XX/XX/2013 amt due {$9700.00} When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
On XX/XX/2019 Wells Fargo dealer services illegal checked my credit when told to remedy it they hung up and insisted they will do what they want even if its in violation of the FCRA several attempts to have them remove the inquiry which they had no permission has failed and they have damage our ability to get a loan ..

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 2019-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX has mixed up some records showing a joint account beginning XX/XX/2013 amt due {$9700.00} When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit.

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 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX formerly XXXX XXXX has mixed up some records showing a joint account beginning XX/XX/2013 amt due {$9700.00} When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX formerly XXXX XXXX has mixed up some records showing a joint account beginning XX/XX/2013 amt due {$9700.00} When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit.

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 2019-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
They have {$1000.00} hold on our bank account XX/XX/XXXX and I can't afford that amount going out, I am married but separated and the only reason I am on this bank account is to make the mortgage and car payment for my husband because he is an XXXX XXXX XXXX XXXX XXXXXXXX  and he is only home one day a week. I have no income coming in myself, I have been fighting to get XXXX for 4 years now with no luck, I can Not work and my husband is only staying married to me so I can have medical insurance. I am XXXX years old and I clean his house and do his laundry and cook for him when he is home for room and board. But again I have no income in my name. I was making payments to the Dr. himself and he said I wasn't paying enough money so he turned me into collections, I didn't realize I had signed a contract with him because the day I signed the paper I was under duress from having to put my XXXX year old dog down that same day, I thought I was just signing the sign in  sheet. Also he tried to bill my insurance company twice for the same XXXX, once under the clinics name then again under his Dr. name. XXXX was XX/XX/1018.

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 2019-09-17 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: MO

Complaint narrative:
I'm just attempting to find out if I have a credit freeze since when I attempted to get a replacement Social Security Care, the Customer Service rep at Social Security said that the reason that I could not order a replacement card online was because I had a credit freeze on my XXXX  account. 

I called XXXX. After giving them an amazing amount of personal information, they said that I did not have a credit freeze active. 

I then called Experian. I could never get out of their automated answering service. 

I finally called XXXX XXXX. After a while, a person - who had a limited command of the English language - answered, and after I had again given TOO MUCH personal information to, told me that I could not find out whether or not I had a credit freeze. 

All in all, this experience has been totally useless. If I have any way of doing so - and I am going to try to find out how - I will remove all my information from all of these organizations and never allow them to use my information for their PROFIT again.

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 2019-09-17 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: MA

Complaint narrative:
I have sent documents to experian twice proving that the account open in my name was fraudulent but they refuse to delete it from my record. I sent a copy of the company stating that they found the account in my name was fraudulent also sent them a copy of the court document showing that the case was dismissed because of it. I sent the same documents to XXXX and they deleted that account from my record without further questioning. I also am having the same problem with Equifax as I sent them the same info as well. Both Equifax and XXXX is impossible to reach by phone to talk to a live rep to address the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: HI

Complaint narrative:
On XX/XX/2019 XXXX XXXX XXXX XXXX illegal checked my credit when told to remedy it they hung up and insisted they will do what they want even if its in violation of the FCRA several attempts to have them remove the inquiry which they had no permission has failed and they have damage our ability to get a loan ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Years ago my wallet was stolen out of my car. I went ahead and reported the incident to the police and took all the necessary steps to protect myself. However, whoever stole my wallet, has been using my information to open up fraudulent accounts under my name. I have been fighting these fraudulent accounts for months now and have been able to clean out the most of them. There is still a XXXX XXXX card on my Transunion report that will not be removed, even though the account has been proven to 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 explanation
Consumer complaint received 2019-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I'm just attempting to find out if I have a credit freeze since when I attempted to get a replacement Social Security Care, the Customer Service rep at Social Security said that the reason that I could not order a replacement card online was because I had a credit freeze on my XXXX account. 

I called XXXX. After giving them an amazing amount of personal information, they said that I did not have a credit freeze active. 

I then called XXXX. I could never get out of their automated answering service. 

I finally called Trans Union. After a while, a person - who had a limited command of the English language - answered, and after I had again given TOO MUCH personal information to, told me that I could not find out whether or not I had a credit freeze. 

All in all, this experience has been totally useless. If I have any way of doing so - and I am going to try to find out how - I will remove all my information from all of these organizations and never allow them to use my information for their PROFIT again.

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 2019-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: KS

Complaint narrative:
I had submitted a previous complaint regarding the servicing company, on my mortgage, not reflecting payments that had been made which is affecting my credit history, credit score and the balance on my mortgage. ( as there are late charges and interest continuing to accrue ) The company did respond to the CFPB inquiry and sent a  copy to me. I responded to their request on XX/XX/2019 with copies of all of the checks that they had requested to verify that I was NOT behind on the mortgage and the account, as well as, my credit report should be corrected. As of today, XX/XX/XXXX, I am still getting calls from the servicing company stating that I am STILL behind and when I ask to speak to a supervisor I am told that they show that I sent " something '' into them but do not know what it was that I sent. Now ... .another year of interest, late charges, late payments, etc have been added to my account that shouldn't have been.

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 2019-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northstar Location Services, LLC
State: FL

Complaint narrative:
I purchased a XXXX XXXX to replace my car that was damaged in an accident. It was finance with XXXX XXXX XXXX. I had problems with the car - all four doors were covered in mold and mildew, the battery had to be replaced by me, dealer refused to replace it and wanted {$72.00} to send anyone someone to get it started for the second time in 10 days. I told the dealer and XXXX that I wouldn't pay until the car was fixed since it was supposedly guaranteed. Dealer refused to fix it, I refused to pay. Told them to take it back. They said that it would damage my credit - IT HAS - I am unable to buy another car. 
They took the car and sold it for {$16000.00}. They expect me to pay {$5500.00} for a car I no longer own and they they have recouped their money and possibly more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Control Technology, Inc.
State: CA

Complaint narrative:
The company calls consistently from various numbers and never gives any information as to the nature of the call. Each representative says that in order to release any information about the call, I had to provide all of my sensitive information including social security and annual income. They also refer to the call as a " personal matter ''. 

When I tried calling the number listed on my credit report and also listed on their website, it goes straight to voicemail and no one has returned my calls. 

I have never received any written notice about this collection account and they were never able to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
Service date I'd XX/XX/19. Total balance is XXXX. HRRG is the company that keeps sending me letters. I have spoken to them letting them know this was a job related injury and I also spoke with the hospital on day of service letting them know this was a workman 's comp matter. I have called administration at the hospital. They told me they would send my ex employer the bill but instead they sent me the bill an now have collections sending me bills over and over. HRRG stated they couldn't do nothing about it

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 2019-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a paper check from my previous employer ( XXXX XXXX XXXX XXXX )  via mail. I remote deposit it into my account on XX/XX/19. I call the next day ( XX/XX/19 ) to find out why it hasn't posted and when it should. I was advised that it will post the next day. I wake up on XX/XX/19 and see that there is an email from Chase Bank stating there is a hold on my funds until XX/XX/19. When I call to find out why there is a hold on my funds, I'm told because it's not how unusually receive funds into my account and they have to make sure that it will post ... when I go into my account online it shows that it was posted XX/XX/19. They are with holding money that I made and that I worked for. When I asked if it could get cancelled so that I can take it elsewhere to cash they then explain that they would charge me XXXX and I wouldn't receive it back until after XX/XX/19. I have bills that need to be paid and there is no reason why the money I worked for is not being released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STATE EMPLOYEES CREDIT UNION
State: FL

Complaint narrative:
SECU in XXXX, NC has an employee named XXXX XXXX that stepped out of line with regards to my deceased father 's estate. She crossed the line of doing her job professionally into sticking her nose into two families ' businesses that has cost ALL of us a great deal of money. This is a complaint against both XXXX AND SECU for not handling what should have been a simple situation properly and for causing a tremendous amount of legal issues/cost that followed ( and is still going on ) because of XXXX 'XXXX  inappropriate behavior. A complaint is also being filed through 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 2019-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Refinanced a loan with freedom mortgage, At the beginning of XXXX I saw they charge me {$950.00} for property tax on a house in Florida, I called and kept calling they were always working on it, And when I would complain they would all of a sudden lose my insurance information and tax information, Call back the end of XXXX And they told me it could take quite some time to get a refund, Call back a few more times In XXXX And still no progress, So I just did a complete audit all the way up To present date, And I never got a refund no credit back to my escrow account and no check And now they don't know anything about it. All the Internet searches I have done with this company, This kind of problem is very prevalent. So I Desperately need some help to get my {$950.00} + intrest back. 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
Consumer complaint received 2019-09-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
We were working with a company called XXXX who I looked into and was a good company.we received a letter from calliber who is our current mortgage company that said we hate to see you leave Give us a chance to beat so we called them and were being taken care of by XXXX XXXX who was a license home loan accountant from caliber. She was able to do the loan for us turned around and got fired after she explained to us we didn't have to make our payment it went 30 days long she got fired I got screwed. I have never been late on any payment ever on twenty years. I would not of never been late if she didn't tell me to. She said worst that would happen is I would have to take late fee. The appraisal was completely done bug inspection was completely done She instructed us not to make payment XXXX has ruined my credit score. Cause me to practically go bankrupt. And has caused me to not be able to get a VA cash out. If diamond didn't do nothing wrong why would they let her go. I can't understand how they can get away of running XXXX veteran. Which I suffer from XXXX. The say phone calls are recorded but they control which ones they use. There is a website that XXXX XXXX could of looked up our appraisal that was completely finished She never did.it is a va website all company use. The date is on the report when it was completed. We also electronicly signed all papers we were suppose to. Everything they told us we did She choose to get off rival company we were going to use. They are not responsible anymore Once I completely signed all close Ing papers. The loan number is XXXX. XXXX XXXX works someone else But reluctant to be apart anything with caliber or her. But calliber is trying to lie to cover mistakes They are trying to cover fact they made major mistickes. And it has ruined my credit and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2019, I received a letter from Citi informing me that both my Checking and Savings account will be closed, as of XX/XX/2019. 

Citi did not share any reasons for the closure and did not allow me to provide any additional information to resolve any concerns and keep the account open. 

For as long as both accounts were open, they have been current and in good standing. I can not imagine why Citi would choose to close my account.

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 2019-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I have requested multiple times once in XXXX, XXXX and XXXX for them to correct the 30 day late, reporting on my credit report and they have not yet done it. When we called yesterday to ask them about it I was told by XXXX that they did not have a record of the wire with the final disbursement for the loan which shows the wire was done on XX/XX/18.

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