vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
OnXX/XX/XXXX XXXX XXXX XXXX who said he was representing XXXX XXXX called my job & asked for my boss who was not here, then he asked for me & my co worker transferred him to me. He mention the debt, threatened to serve me & my husband the next day, threatened to call the corporate office for my work several times, threatened to put a lien on my husbands home ( we just got married XX/XX/XXXX and that is not legal ), he mentioned in detail all the information for my husbands home address, lien holder, amount owed to the mortgage, etc. I did not give him much info b/c I do have an attorney & I am filing bankruptcy. Most importantly I do n't know who this person is! He then called my husband and left a voicemail. Continued to threaten his home/mortgage several times in the message. XXXX XXXX XXXX said that because " XXXX & I were married and whats mine is his & whats his is mine. '' He left a call back number & case number ( XXXX case # XXXX. After that he contacted my husbands mother who I have n't even met yet. First he asked for my husbands XXXX father, then spoke to my mother in law. He told My mother in law that he made a mistake getting married because they can file a lien against my husbands house. XXXX 's mother said XXXX XXXX was very rude and argued with her. XXXX 's mother passed the information on to her daughter XXXX who called XXXX XXXX back and he told her he had already spoken to me, he would not give her much information but once again he made threats about XXXX 's house and a lien. 
This person has/had absolutely not rights to contact my husband or his mother. He was rude/cocky with all of us and this still has me upset about it still today. He also had no rights giving any information about me to XXXX 's mother or mentioning a lien on his house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter that I have a balance due in the amount of {$30.00}, I called them, because it is weird, I have automatic payment with them ( No with my bank ), and they told me 1 time that I called, that I made payment late, and the other customer representative said me that at the beginning of the contract my amount is {$490.00}. some thing, that it is not real because at the beginning of the contract in XXXX or XX/XX/XXXX, my monthly payment was of {$450.00} something. after my county increase the sales Taxes ( This one is my other question, They can change my monthly payment that was agreed when we signed the Lease contract in XXXX because the sales tax was increase in XXXX??? ) they change my monthly payment fr. {$450.00} something to {$480.00}, and they start to debit this amount, Now I have a supposed balance due in the amount of {$32.00} something because was change from the date of the letter to now for Late Fee ... and the Customer Representative told me that the amount of {$490.00} something is the amount at the beginning of the contract. So after that I called for 4th time  and they told me that the supervisor will call me ... But I feel really upset with this company, I feel deceived and abused. This is the reason that I was motived to contact 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 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
After the XXXX breach, I attempted to put a freeze on my credit. XXXX 's site reported that my data was impacted, and suggested I freeze my credit on another website. 

XXXX hid their fraud alert website, and directed me to their paid services. Their site was unusable. 

I was eventually able to file a fraud alert using the XXXX site, but only after filling out all my personal information, SS #, and email address. So, yet another " web form '' that could be hacked or intercepted, and contains significant information for people to steal. 

The entire Social Security " system '' is a relic of 1940 's technology. When will the government upgrade this system to include multi-factor authentication and including biometrics as well? Like the XXXX system in XXXX, for example.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I heard about the scandal with Equifax and was sent the email to check to see if I was affected. According to the link, it said there was a good chance that I was affected based on the information that I provided. The date that I checked was today, XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I was a victim of the Equifax Credit hack. This could have long term and significant impacts on my ability to grow my business and access credit. Furthermore, I am upset about Equifax 's handling of the issue. They have lied and obfuscated at every opportunity and rather than trying to decrease the impact on american consumers they are trying to preserve their image. I would like to see Equifax forcibly dissolved and criminal malfeasance charges filed against the CTO, CEO and CFO.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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:
Since XX/XX/XXXX I have notified Equifax that there are several inquiries on my credit report with them that do n't belong to me. The first asked that I contact companies directly which did and never received any responses. Just recently as XX/XX/XXXX I reached out to Equifax again and was told the information was factual but they are refusing to show me proof that I have applied for credit with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was informed that Equifax had a breach of personal information and my personal information my be one of many that was distributed out and overseas. I will like to know, how is this situation going to be handle? Releasing personal information that can damaged someone credit and Identity is incriminating and outright disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I am victim of identity theft. I never applied for a XXXX credit card account. The following XXXX credit card accounts do n't belong to me : XXXX and XXXX. I have never applied for a XXXX credit card 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 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax failed to adequately protect my personal information, which it had gathered without my consent in the first place, and which is used by financial institutions and lenders to open lines of credit. As such, Equifax has disclosed private information in my credit report to unknown individual ( s ) and put my entire financial life at risk. At a minimum they have cost me {$20.00} at this time to freeze my credit reports at  the other two agencies, and will cost me at least {$30.00} to unfreeze those reports at another time. Furthermore, the time and effort it took to get this freeze instituted should be taken into account. Equifax 's failure cost me time and money and will continue to do so for years, as I will have to temporarily lift this freeze whenever I want to open a new credit account and then reinstate the freeze when done. Their disclosure of my personal information, including SSN, is unacceptable. Their delay in informing the public about this disclosure is further unacceptable. And their use of a flawed tool to suggest that people were not implicated in this data breach, which returned random responses and certainly led me to delay in instituting credit freezes borders on active concealment of the breadth of the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
To Whom It May Concern : I am writing this email to detail my unfortunate incident with your bank. I had an active checking account with your bank for about 3.5 years until XX/XX/XXXX. My account was used to directly deposit my paycheck. I received an email from Wells Fargo on XX/XX/XXXX that stated that my account had been closed due to inactivity. There was never any warning or correspondence with me prior to this happening, so it was a total shock and surprise. To further complicate matters, I was to be paid from my job on XX/XX/XXXX via direct deposit. I did visit the local branch to investigate further and was treated with a great deal of indifference. I was told that the closing of my account was due to inactivity during the month of XXXX and a XXXX cent overdraft. I explained that I am a XXXX XXXX and that there is always very little activity on my account in late XX/XX/XXXX and XX/XX/XXXX because we do not get paid in the summer.
My paycheck is now floating in cyberspace because of your bank 's actions. I am completely dissatisfied with Wells Fargo and will never again do business with you. I was treated in such a disrespectful manner and there seemed to be no recourse for the problem of closing a customer 's account without prior notification. If there is any legal recourse, I will definitely consider using 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 2017-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: OH

Complaint narrative:
I had to file two complaints with the Better Business Bureau against Key Bank. Both complaints were closed with a recording of unresolved and dissatisfied. I clicked on the link that CFPB sent me in an email on XX/XX/XXXX to inform CFPB that this matter still has not been resolved. However, when I logged on to CFPB website to check the status of my complaint, it was listed as closed. Therefore I am submitting a new complaint because this matter has not yet been resolved. Key Bank has not deposited my {$300.00} bonus into my account. I met the requirements to receive the bonus therefore Key Bank needs to deposit the bonus into my account as soon as possible because this problem has been ongoing since XXXX of this year. On page 10 of the 20 page pdf file titled Key Bank complaint, the document states : " Offer Code XXXX has been applied to this account. '' On page 13, the document titled Key Bank Account Details, lists the date of my Opening Deposit as XXXX XXXX. On page 18 is the email that I sent to XXXX XXXX which contained a pdf attachment of my relative 's Key Bank Account Detail which also lists the date of their Opening Deposit as XXXX XXXX and it also shows that they received their bonus and the bonus was listed as " {$300.00} Gift From Key Bank For Recent Offer ''. Therefore, I questioned XXXX XXXX as to when I would receive my bonus. OnXX/XX/XXXX, I visited the branch in person and requested my {$300.00} bonus and for a new debit card to be mailed out and as of this date I have not recieved either. I have attached 3 pdfs for review to proof these facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express sent my account to collections after only being last 20 days on a payment. They did NOT call, email, or send me mail even notifying me I was late. And yes they have all of my info. Also, they claim they ca n't tell me why it was sent to collection, stating the third party is handling the account. The collection company they referred me to could n't tell me either. My statements all show current on my payments, and I in fact just paid this account off. Now it will show collections on my credit report when I did nothing wrong, and AMEX did n't even notify me there was problem. I will be filing a law suit pending the outcome of this. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX my mortgage went up after having a loan modification five years ago. I know I should have been on top of that but after five years I completely forgot, so I sent to XXXX my regular mortgage payment. They put the money on an account named unapplied funding. XX/XX/XXXX they called me and saying that I was late, and then they said that I did not sent the monthly payment. They said that they sent me a letter reminding me that my mortgage loan was going up on XX/XX/XXXX and that is not true. I never received that letter. 

To make the history short it took me 4 month before I was able to speak with a manager. They didnt want to cooperate at all and the whole issue took me seven month until I filed the report with the federal consumer agency, ten days later XXXX XXXX called me and apologized and said.. XXXX XXXX I apologize..You were right, I was wrong the money was yours and we put it back in your account and waived all the late fees. I told them that they need to report the right thing to the bureau of credit as we agreed since the beginning of this dispute that he ( XXXX XXXX ) said that they will do it if I was right, and I was. 

I filed a dispute with the bureau of credit because they refused to fix that with them. Today, I received the result of my dispute and said that XXXX reported that the report is accurate. I dont believe it is because if they want to report the month of XX/XX/XXXX as being late because I forgot that my mortgage payment was supposed to go up that month its ok, in part was my fault but not the other 6 months they are reporting. Those six month I was in constant communication with them trying to fixed this matter. What they did was every time I sent my mortgage payment they applied to the month before so I was late for every single month after that. 

They misplaced my mortgage payment for one month and make late for the following 6 month. If I was late like they are saying how they found the money applied back to my account and waived all the late fees? They waived all the late fees because they know I wasnt late. The bottom line is that they made a mistake and fixed but I am the one paying the consequences. 

I really appreciate if XXXX finally fix this entire problem and recognize that they did me wrong. I need my credit report to be fixed and to do that XXXX need to report the right thing to the bureau of credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15 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: OH

Complaint narrative:
Equifax security breach. Will not allow site action, e-mail or phone response. No way to contact! All systems will not complete request for new freeze a family member or allow access to see if effect by breach. Equifax needs to be shut down by government action immediately to prevent any credit actions on all accounts, thus preventing any one getting ID stolen!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo has not provided us with all of the information we have repeatedly asked for. They claim to have on XX/XX/XXXX. This is a lie. We have not received any of the information we have requested. Wells Fargo needs to provide us in writing proof of met modifications, Proof of items that they are calling proprietary. If an item is proprietary we are requesting in writing proof that it is as such. If it is legally proprietary we are requesting in writing the items we have requested. ( copy of phone call on XX/XX/XXXX. copy of investor guidelines as to how many modifications, forebearances, and re payment plans are allowed to us. We to date have had 1 forebearance, 1 so called HAMP modification, ( it did not fit HAMP guidelines ) and 1 in house re payment plan. We would also like an investigation into Wells Fargo treatment and practice of customers with XXXX. We have been discriminated against and we do plan on filing an official complaint against Wells Fargo. We also would like an investigation into not only Wells Fargo but XXXX XXXX XXXX of Utah for not following Utah non judicial law. WE were not served with a notice of default. We found out about our foreclosure sale online. We also would like an investigation into the deceptive practice of Wells Fargo concerning Hamp Tier II guidelines. Wells Fargo continued to lie to us and put off our modification until the program  ended. Fully knowing and admitting to us that we were eligible for the program.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I went to NTL in Delaware for a loan, desperate because I had to move on XX/XX/XXXX and  did n't have all the money to do so. I received XXXX on that day, not realizing the interest was at 300 %. I am a PA resident. and do n't think my interest should be this high. I am now struggling to pay XXXX a month just in interest and not towards the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OR

Complaint narrative:
Caine and Weiner is attempting to collect a debt of my XXXX grandmothers for which they can provide no actual proof of payment beyond the word of original collector. According to original collector 2 payments were made after contract was terminated due to XXXX of my grandmother on XX/XX/XXXX. There has been no evidence provided of payments, ie ; cancelled check, deposit slip, bank statement. 

I have disputed validity of debt, and again sent a certified letter asking XXXX XXXX XXXX to cease all collections of debt as they can not provide legal documentation of debt. I authored this letter after speaking with XXXX XXXX on XX/XX/XXXX where as he became very hostile towards me on the phone and ended the conversation by hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I received from XXXX XXXX a promotional email soliciting a XXXX XXXX XXXX credit card through AMEX. I filled out AMEX 's online app with ALL information EXCEPT my social security number. I entered " random '' numbers for a social and called the AMEX new accounts number telling the agent what I had done. I offered to provide my number over the telephone, but informed them I wo n't put it online. The agent said, " No problem, if we have your name, address, telephone number, and birth date we can get your social. '' Several weeks passed with no correspondence, so I again called AMEX. This time I was told there were verification problems with address, phone number, and social security number and a letter was being sent seeking XXXX and address and phone number verification. As I believed I was lied to by the agent I contacted XXXX XXXX VP Global New Accounts. Her representative XXXX contacted me as to my concern ( logic would answer do n't have your phone number ). I received the XXXX and I complied with that request plus I returned a voided check from my bank with PRINTED address and phone number plus a photo copy of my driver 's license. Now I have received a request for a bank letter head stating my address verified by an official ( logic again : this is the SECOND letter AMEX has mailed to me ) plus a notarized copy of my social security card ( logic again : I have PROOF AMEX ran a credit check on me, how did they do that without a social security number and what did AMEX do with the XXXX I signed? I KNOW what my credit score and rating is and AMEX IS  HARASSING ME! I have not received a rejection letter because of " risk '' as my record shows there is none. For whatever reason, I am being HARASSED for information of which AMEX logically has possession! DISCRIMINATION FOR REASONS UNKNOWN

Company response to consumer: Closed with explanation