vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This is a continued follow up to response complaint XXXX. I've engaged an attorney to review this matter. There's still discrepancies in what WF claims I owe. I want a full copy of my account activity by COB tomorrow before I can make a decision on proceeding with the loan modification. The amount remaining in question is the $ XXXX " pre-petition '' arrears. The previous statement of my account does not cover the arears for this period. The original XXXX filing noted I owed $ XXXX pending the loan mod. Payments were made XX/XX/XXXX - XX/XX/XXXX per the loan mod ; however, then in XX/XX/XXXX, they noted I was in default $ XXXX, XXXX payments starting XX/XX/XXXX when XX/XX/XXXX was already via a trial mod payment. My attorney and I would like to see the history leading up to the $ XXXX to confirm.

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 2019-07-02 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:
i have never been late to this account. i have records of all my payments sent to XXXX XXXX and XXXX for this vehicle. 

on the month of XXXX XXXX apparently misplaced my check and payment. 

i paid my XXXX payment on XX/XX/XXXX Check # XXXX i paid my XXXX payment on XX/XX/XXXX check # XXXX i paid my XXXX payment on XX/XX/XXXX check # XXXX i paid an additional payment on XX/XX/XXXX via phone. 

later on i spoke to XXXX and they apologized ad cleared the late payment fees and asked me to dispute the information with the credit agencies.

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 2019-07-02 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:
i have never been late to this account. i have records of all my payments sent to XXXX XXXX and XXXX for this vehicle. 

on the month of XXXX XXXX apparently misplaced my check and payment. 

i paid my XXXX payment on XX/XX/XXXX Check # XXXX i paid my XXXX payment on XX/XX/XXXX check # XXXX i paid my XXXX payment on XX/XX/XXXX check # XXXX i paid an additional payment on XX/XX/XXXX via phone. 

later on i spoke to XXXX and they apologized ad cleared the late payment fees and asked me to dispute the information with the credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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:
i have never been late to this account. i have records of all my payments sent to XXXX XXXX and XXXX for this vehicle. 

on the month of XX/XX/XXXX XXXX apparently misplaced my check and payment. 

i paid my XX/XX/XXXX payment on XX/XX/XXXX Check # XXXX i paid my XX/XX/XXXX payment on XX/XX/XXXX check # XXXX i paid my XX/XX/XXXX payment on XX/XX/XXXX check # XXXX i paid an additional payment on XX/XX/XXXX via phone. 

later on i spoke to XXXX and they apologized ad cleared the late payment fees and asked me to dispute the information with the credit agencies.

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 2019-07-02 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:
I am in the process of getting an FHA mortgage. My lender told me I needed to get the dispute comments removed per FHA requirements. I called XXXX and XXXX with no problem. Equifax first didn't answer the call several times. Finally when I got through, they had to verify my identity. I gave them my name, address, social security, credit file number ( I had pulled report online ), answered numerous questions about credit cards, student loans, mortgage payments etc and they just kept asking more and more questions and refused to verify my identity. All the answers were correct, but they just kept saying there was one more question I had to answer. When I questioned this and even after speaking to a supervisor, they agreed the policy was ridiculous, but got extremely rude and said they would not verify my identity. It seemed like once I protested all the questions that they became very rude and unwilling to assist. I explained this was for a mortgage and they said too bad. When I requested to speak to a manager she said she wouldn't give me a manager 's name and would have to see if they were able to talk to me. This call center was located in the XXXX. There seems to be no other option/way to work with them. I should not have to reveal all my personal info such as social and answer 20 questions in order to correct my credit report. Horrible customer service. Unwillingness to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX TransUnion XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX, PA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX  XXXX  InXXXX XXXX, FLXXXX  ( XXXX XXXX XXXX 2. XXXX  XXXX  XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611. 

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 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These five accounts listed show the wrong status & balances on the credit reporting bureau. I have previously contacted the credit bureau. 


XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I reviewed my credit report and noticed an account from a creditor I have never done business nor authorized to report on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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 HAVE BEEN A VICTUM OD IDENITY THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XXXX XXXX, 2019 we received a updated letter from Specialized Loan Servicing agreeing to the payments we were late paying. The agreement was to defer the payment until we sell or transfer an interest in our home. We were 3 months behind because of a major illness. Our latest statement from SLS increased our payments. We were paying XXXX. The payment is XXXX. The balance owed was added to the payment. When we called to clarify. They stated that we will be paying this for 48 months to cover the late payments. We can not afford this payment based upon our income. 


Also, this was a XXXX  adjustable loan that was transferred to XXXX XXXX XXXX. Tried to do a modification and a principal reduction. We were not allowed to do so. We never borrowed any money. XXXX  XXXX XXXX transferred it to SLS. Several attempts were made to modify or reduce the principal.

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 2019-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
ON XXXX, THE BANK OFAMERICA XXXX XXXX XXXX,XXXX, XXXX XXXX, TEXAS XXXX, XXXX XXXX NEGLLIGENTLY AND DELIBERATELY , FAILED TO WITHHOLD TEN PER CENT AS WITHOLDING TAX FROM THE AMOUNT TRANSFERRED FROM MY IRA INTO MY SAVINGS ACCT.INSPITE OF THE COMPUTER CLEARLY INDICATED THAT THE TAX BE WITHELD.I WENT BACK TO THE BANK AGAIN AND AGAIN.NEITHER XXXX NOR XXXX ANOTHER EMPLOYEE WOULD HELP.XXXX   WOULD NOT EVEN TRANSFER BACK MONEY INTO THE IRA.THAT WAS IN XX/XX/XXXX.ON XX/XX/XXXX I AGAIN ASKED XXXX TO WITHOLD THE TAX FROM MY SAVINGS ACCT.SHE REFUSED TO DO THAT.SO I BELIEVE THAT AROUND XX/XX/XXXX, I DECIDED TO CLOSE MY IRA, AND INSISTED THAT XXXX WITHOLD TEN PERCENT AS TAX, AFTER THAT I CLOSED ALL MY ACCOUNTS WITH BANK OF AMERICA, AFTER I FILED MY XX/XX/XXXX TAX RETURN WITH THE HELP OF PREPARER, THE IRS IMPOSED PENALTY AND INTEREST.NOT MY FAULT. 

IN SUMMER XX/XX/XXXXWHEN I WAS TRYING TO GET MY FUNDS FROM XXXX, XXXX KEPT MAKING MISTAKE AFTER MISTAKE.I HAD TO GO TO POST OFFICE AT LEAST THREE TIMES.THE PEOPLE IN FLORIDA WERE ANGRY AT THE MISTAKES MADE BY XXXX.THE LAST TIME SHE AGAIN FORGOT TO TYPE SOME THING .SHE TOLD ME TO WRITE IT IN.I HAD TO TELEPHONE FLORIDA AND REQUEST THEM TO ACCEPT THE FORM.IT COST ME TIME AND MONEY TO KEEP MAILING THE FORM. 

THE BEHAVIOR OF XXXX WAS TOTALLY UNPROFESSIONAL.SHE WAS INTERESTED IN MY PRIVATE LIFE.PERHAPS SHE WANTED RELATIONSHIP WITH ME.PERHAPS SHE HAD EYES ON MY MONEY.SHE EVEN TOLD ME TO GET MY SOC SECU. DEPOSITS TO BANK OF AMERICA.WHY SHOULD I DO THAT? 
I FILED COMPLAINTS WITH XXXX OF XXXX AND NORTH CAROLINA.ALSO COMPLAINED TO TEXAS AND NORTH CAROLINA ATT GEN. 

I GOT TWO PHONE CALLS FROM XXXX.SHE WANTED COPY OF THE LETTER FROM IRS.I ASKED IF SHE WAS GOING TO PAY ME MONEY.SHE SAID THAT SHE WOULD LOOK INTO IT.SHE CONNED ME INTO SENDING HER MY PRIVATE INFORMATION. 

I HAVE SENT AN EMAIL TO THE CEO OF BANK OF AMERICA THAT I AM NO LONGER A CUSTOMER OF BANK OF AMERICA.I DON'T WANT ANY ONE TELEPHONING ME OR APPROACHING ME.IF I GET ANY MORE PHONE CALLS, I WILL HAVE TO FILE A POLICE REPORT OF HARASSMENT. 

THE CITIZENS NEED TO BE PROTECTED FROM THE BANK OF AMERICA. 

I HAVE REQUESTED THE GOVERNOR OF TEXAS TO CLOSE THE BOA IN XXXX XXXX, TEXAS. 

WHEN BOA EMPLOYEES CAUSE LOSS AND TROUBLE TO CUSTOMERS, THE BANK HAS AN OBLIGATION TO COMPENSATE THE CUSTOMER. 

ANY ONE DEALING WITH BANK OF AMERICA WATCH OUT.BERCAUSE THE BOA EMPLOYEES MAY PULL A TRICK.

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 2019-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
I disputed this claim on all three reports for over 1 year now. I sent notarized letters, disputed through a credit repair paid company do no avail. I called and spoke with three different people on a call that took over 1 hour. I told them I DO NOT have a balance due and I am not the one who has an account for {$240.00} for XXXX - The representative pulled up an account that was only XXXX cent! They told me they found a true account that I was able to verify was MINE for XXXX cents. I was told they will investigate the fraud account stated here and I would get a letter. On XX/XX/2019 I got a letter stating the account was MINE. There were no more calls, proof of ID 's shown to open an account or where hte account was located. I now have damaged credit and a victim of fraud twice, with whomever opened this account in my name ( AND they used my maiden name, XXXX and not my legal name to open it which is XXXX ).  This company should have to provide proof of IDs shown to open this account - and to say they have another account with only XXXX due that is NOT on my credit that I was able to CONFIRM was in fact mine, then leave this fraud account in my name in collections for {$240.00} does show a direct attempt to cause harm to my credit report knowingly.

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 2019-07-02 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:
My identity had been stolen in pass data breaches, I have account in my file that do not belong to me. Please removed this items from my report, I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID, SS and proof of address. 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 non-monetary relief
Consumer complaint received 2019-07-02 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: TN

Complaint narrative:
I did not know that Equifax got hacked in XX/XX/2017 and never received notification in the mail as they stated they were going to notify everyone affected. 
My homeowners insurance is coming up for renewal and they can not renew it because Equifax put a flag on my account when it got hacked stating Potential Fraud. 
Equifax refused to remove this even though I gave them PLENTY of personal information that would prove that I was who I was in able to get the flag removed. 
I am not able to aquire homeowners insurance because a Company that I DID NOT GIVE PERMISSION to receive and store my personal information let it be stolen. 
They stated that my NAME, SOCIAL SECURITY NUMBER, BIRTHDATE, ADDRESS, WORK HISTORY and everything else they collect got stolen. 
*I WANT A NEW SOCIAL SECURITY NUMBER XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've filed multiple complaints with Regions Bank for fraudulent charges to my checking account via debit card, yet they close out all my claims. I'm a victim of identity theft and have told them this. 
They close out my claims and say they need more documentation, instead of keeping claims open and obtaining the docs they need to investigate. I assume they do this so they don't hit the 10 day statute. 
Also, the software their investigations department uses is biased to go against customer 's interests. Regions is trying to reduce claims that get sent over to VISA. Because of this MANY valid and LEGITIMATE disputes for fraud or did not receive goods/services are being denied and the consumer has to suffer. This also raises concern over Regions not recognizes true and actual fraud and taking steps accordingly to protect the consumer, since their software denies customer 's claims. 
In my personal experience, I am now facing a great economic hardship because they refuse to push my disputes over to Visa. I have a police report, FTC report, and affidavit- yet Region 's  software keeps denying my claims. I'm not able to speak with the investigative department, nor are the customer service reps. 
My claims are 10 days past due. I am not counting them closing my claims just because they don't want to wait for docs. They rely heavily on their banking policies, but Federal mandated regulations for Federal Banks always trump internal banking policies.

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 2019-07-02 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: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX 4 . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( Duplicate ) 5.EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7.XXXX XXXX XXXX XXXX, OH XXXX 8.XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX , UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: STERLING JEWELERS, INC.
State: CO

Complaint narrative:
I had my credit pulled recently and I was looking through it and it came back showing I have late payments for the dates : XX/XX/16, XX/XX/16, XX/XX/16 & XX/XX/16. 

I have tried to reach the department various times and I have no luck. 
I am in the process of trying to buy a house and need these removed from my credit report please. I had an account with Kay Jewelers and always paid on time, until there was fraud and identity theft with my bank and they were unable to process payments that I made to you all. I made my payment in full and decided to close the account but am looking to in the future reopen my account once I have bought my house I hope the late payments can be removed from my credit report. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: AL

Complaint narrative:
My name is XXXX XXXX and I am XXXX years old. In early XXXX, I opened my first checking account only to find out that my identity was stolen. The bank officer showed me a copy of my credit report from Equifax and I saw that my credit had been used since 2016. I called and talked to someone from Equifax and they asked me to send proof of my identity ( ie. social security card/driver 's license ) so I could get a copy of my credit report. I sent the information off the next day and it Is XX/XX/XXXX and I still have not heard from Equifax. I really would like to get a copy of my credit report so that I can start the next chapter of filing a police report for identity fraud and get this removed from my credit report because I am just starting out in life and would love to have a clean slate. I hope that you are able to help me with this endeavor. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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: TN

Complaint narrative:
I did not know that XXXX got hacked in XX/XX/2017 and never received notification in the mail as they stated they were going to notify everyone affected. 
My homeowners insurance is coming up for renewal and they can not renew it because XXXX put a flag on my account when it got hacked stating Potential Fraud. 
XXXX  refused to remove this even though I gave them PLENTY of personal information that would prove that I was who I was in able to get the flag removed. 
I am not able to aquire homeowners insurance because a Company that I DID NOT GIVE PERMISSION to receive and store my personal information let it be stolen. 
They stated that my NAME, SOCIAL SECURITY NUMBER, BIRTHDATE, ADDRESS, WORK HISTORY and everything else they collect got stolen. 
*I WANT A NEW SOCIAL SECURITY NUMBER XXXX XXXX XXXX XXXX XXXX XXXX , TN 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