vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I took out an education loan back in XXXX XXXX, XXXX which was serviced by XXXX. Over the years, I have had my own personal hardships and was unable to make payments on this loan. There were originally two loans. One of the loans has been deleted for incorrect reportings. The original loan was {$15000.00}. 
After reviewing my credit report I found that the current XXXX was incorrect in numerous ways : 1.  The amount financed is incorrect. They have it as {$16000.00}. It was supposed to be {$15000.00}. 
2. The past due amount is {$45000.00} which is incorrect because it is almost triple the amount financed. This is a violation of my rights. Collection fees can not be more than the amount originally financed. 
3. The past due amount should have been {$33000.00} Not the amount reported. 
4. They have positive payments from XX/XX/XXXX to XX/XX/XXXX. This is incorrect. I requested to have it deleted due to the 7 years being expired and they falsely reported payments in order to restart the time clock. 
I asked XXXX for a transcript of all the findings listed and they were unable to provide them to me. Therefore I reached out to the credit bureau and asked them to investigate and each time they returned the account as being validated, but still never showed me documentation of this accuracy. 
Over the last year, I have opened up several disputes and even called them to speak to them about this. Again, they simply said it was investigated. I have never made any payments on this account since it started in XX/XX/XXXX. 

In XX/XX/XXXX I made two payments for the amount of {$25.00} on the other XXXX account that has since been deleted. What XXXX did was take those payments and apply {$9.00} to the current one in order to keep it running. This is a clear violation of my rights. Again, I asked both XXXX and the credit bureau to send me documentation and it was not done. Each time I contacted XXXX they simply say that they will send it and then they dont. In regards to the credit bureau they simply say the investigation is completed. 
XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : XXXX Amount reported : {$45000.00}, {$45000.00} also said a portion was charged off.

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 2017-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XXXX XXXX, XXXX I faxed a discounted payoff offer to WELLS FARGO HOME MORTGAGE for 2 loans I have with them. 

On XXXX XXXX, XXXX I spoke to XXXX with ID XXXX and she transferred my call to XXXX ID # XXXX of the Home Reservation team and she was not able to assist me therefore she transferred me XXXX of the " Re-Entry '' team of Wells Fargo Home Mortgage. 

XXXX explained that I NOT am eligible for a loan modification, however I received a letter from Wells Fargo Home Mortgage that I am eligible for options that included loss mitigation in a form of a loan modification, short sale, deed in lieu etc., she further stated that this letter was approved by CFPB. 

My concern with Wells Fargo Home Mortgage is there contradictive behavior. When I explained to XXXX that I have a letter from Wells Fargo Home Mortgage condricting her statement of eligibily of loan mod she said its " generic '' CFPB approved letter that everyone gets. 

Well I was shocked to believe that the CFPB would allow to send generic letters to go to consumers stating that they have loan modification options when in fact they do n't! 

I finally asked XXXX since according to her I am not eligible for a loan modification, what am I eligible for? She replied, deed in lieu or short sale. She said the short sale must be in 10 days prior to the sale date. 

I proceded with a short sale option and Wells Fargo Home Mortgage accepted my short sale documents but after a few days of requesting documents the loan XXXX XXXX XXXX removed it. 

My complaint is the emotional and mental abuse Wells Fargo Home Mortgage has put me through by telling me what I am eligible for in writing and then contradict themselves and then tell me I can still conduct a short sale and I commit to it and then they tell me no even when timely. 

I need the CFPB to interject and reprimand Wells Fargo Home Mortgage for the deceptive games they conduct upon consumers like myself. 

I further ask the CFPB to investigate their wrong doing and bad faith actions against 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 2017-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Sir or Madam : Experian is requesting email addresses for a purported " FREE Dark Web Email Scan '' at XXXX : //www.experian.com/XXXX I understand they are also running TV commercials to advertise this service. This is blatant false advertising because it 's literally impossible to scan the dark web for an email address in any meaningful way. Presumably they could check a few sites which are known to them, but would never know where to find the others or how many they 're missing. They claim that this scan " gives you the knowledge you need to act '' but this is a false and deceptive assurance. 

In a since-deleted XXXX thread ( formerly at https : XXXX ), a user proves how deceptive this ad is. He knows that his information is on a particular dark web site, but the scan did not find it. Apparently the scan is pulling its data from https : //XXXX/ which is a free and public service by the XXXX individual XXXX XXXX. 

Please investigate this matter as soon as possible so that Experian does not have a chance to further victimize people who are trying to keep their information private. 

You may wish to note that I previously submitted the above as a complaint to the FTC, and they recommended that I submit this complaint to the CFPB as well. 

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 2017-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Please consider this correspondence to be formal notice that our mutual client is hereby appealing and submitting a complaint regarding the previous denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
The denial letter that you provided indicates that your company failed to contact the investor for approval to complete a loan modification on the clients behalf. This is something that should have been available as an option. Please re-evaluate this borrower for all mandated and in-house loss mitigation options. In addition we request that you suspend foreclosure during this complaint in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: Ocwen Financial Corporation
State: MA

Complaint narrative:
On XX/XX/XXXX an electronic payment was made to Ocwen Loan services in the amount of {$930.00}. XXXX XXXX XXXX is one of the biggest banks that perform transactions on the weekends ( based on my experience ). I 've never experienced anything like this before. Apparently the Federal reserve does n't conduct business on the weekend which I did not know therefore not completing my traction until Monday? See attached documents from XXXX XXXX XXXX verifying when the payment was submitted/remitted and was submitted to Owcen loan services asking to correct the reporting type. I have never been late with a mortgage payment. I need this removed from my credit file.

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 2017-09-28 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: TX

Complaint narrative:
I took out an education loan back in XX/XX/XXXX which was serviced by XXXX. Over the years, I have had my own personal hardships and was unable to make payments on this loan. There were originally two loans. One of the loans has been deleted for incorrect reportings. The original loan was {$15000.00}. 
After reviewing my credit report I found that the current XXXX was incorrect in numerous ways : 1.  The amount financed is incorrect. They have it as {$16000.00}. It was supposed to be {$15000.00}. 
2. The past due amount is {$45000.00} which is incorrect because it is almost triple the amount financed. This is a violation of my rights. Collection fees can not be more than the amount originally financed. 
3. The past due amount should have been {$33000.00} Not the amount reported. 
4. They have positive payments from XX/XX/XXXX to XX/XX/XXXX. This is incorrect. I requested to have it deleted due to the 7 years being expired and they falsely reported payments in order to restart the time clock. 
I asked XXXX for a transcript of all the findings listed and they were unable to provide them to me. Therefore I reached out to the credit bureau and asked them to investigate and each time they returned the account as being validated, but still never showed me documentation of this accuracy. 
Over the last year, I have opened up several disputes and even called them to speak to them about this. Again, they simply said it was investigated. I have never made any payments on this account since it started in XX/XX/XXXX. 

In XX/XX/XXXX I made two payments for the amount of {$25.00} on the other XXXX account that has since been deleted. What XXXX did was take those payments and apply {$9.00} to the current one in order to keep it running. This is a clear violation of my rights. Again, I asked both XXXX and the credit bureau to send me documentation and it was not done. Each time I contacted XXXX they simply say that they will send it and then they dont. In regards to the credit bureau they simply say the investigation is completed. 
XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : XXXX Amount reported : {$45000.00}, {$45000.00} also said a portion was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i filed a complaint against experian here with the CFPB file # XXXX which was forward to Experian, and Experian responded since CFPB is a 3rd party they cant file the dispute, it has been almost 2 months since then, they requested my drivers licence which they have it already on file i gave it to them when i disputed this item, so they sent out this letter to CFPB and to me this is a stall tactic Experian is using so they should n't have to make a dispute, i need this to be removed from my report since Experian has no reason not to initiate my dispute, because Experian knows that i was the one to  dispute this item on my report its very clear that Experian is playing games, who ells wants this item off my report if not for myself? and Experian knows that i sent in the dispute, its been more then 30 days to investigate i by law Experian needs to remove this item from my 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 2017-09-28 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: MN

Complaint narrative:
There are fraud inquiries, fraud account and account with fraud charges reporting late payments on my credit report and I have tried to work this out with Equifax for the past 2 years now and have provided them with a police report and all the other information they requested and per The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) inaccurate information is reporting on my credit report and Equifax has not taken action to correct those issues. 









Dispute Confirmation # : XXXX Inquiries XXXX XXXX XXXX XXXX, XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Account XXXX XXXX/XXXX Fraudulent charges were made on my account.
Account XXXX XXXX/XXXX Fraudulent charges were made on my account.
Account XXXX XXXX XXXX/XXXX This is a fraudulent account, account opened by someone who stole my identity.
Account XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have sent letters making Transunion aware of the fraudulent inquiries on my credit report and they have not done nothing to properly investigate the matter or provide evidence to validate that the proper protocol was taken care of per the Fraud alert. 

There is a specific statement that states : XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX. 

I have asked them to provide proof that I was contacted per the statement. The only inquiry that would be valid would be XXXX XXXX XXXX on the credit 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 2017-09-28 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:
This is concerning the Equifax breach. I submitted my information on equifaxsecurity2017.com to determine if I was affected. The system said I was and that I should enroll in the protection program. I entered my information as requested, and was told I would receive an email link in the coming days to finalize enrollment and activate my product. I received the link a day later. Each time I try to finalize my enrollment, I receive an error message that states : System Unavailable / We are unable to process your request at this time. Please try again soon.
I have deleted by browsing history and cache, in case it is a computer or browser issue, tried again on different days of the week and at different times of the day, in case there is high traffic - approximately 8 times - with the same result. I have also called the number on their website for personalized assistance ( the phone number has since been removed from this area of the website above ) and the person with whom I spoke said he could n't help me. 

Prior to reaching out to cfpb, I called Equifax to place a fraud alert at XXXX and was unable to speak with a human. Their phone tree went in a constant loop and eventually hung up on me when I pressed zero for a representative, after pressing other numbers to also reach a representative. 

So not only have they been breached and my personal information is affected, I can not freeze my accounts in the manner in which I was told, to protect myself from imposters. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: TX

Complaint narrative:
In the years XXXX there were four cases in which I attempted to file for bankruptcy. The cases were all dismissed. I was having trouble with my husband and property we had together in which it financially draining to me. During that time we attempted to file, but never had the proper paperwork to get it started. It never went to court, a case was never filed. Nothing. Since XXXX I have attempted to write Equifax and have them investigate and have this deleted off my records. After reading the FCRA I found that they were in violation, because they were reporting something inaccurately. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they had no right to maintain information which the government has deemed nonexistent.
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they were obligated to delete this information from my credit report and send me an updated copy when this action is completed. 

I wrote them and made them aware of this information and they blatantly ignored my request. I even provided them documentation that the bankruptcies were dismissed. Again, nothing. They were kind enough to send me a new copy of my report that stated that they would be keeping the bankruptcies on my report. 

I am filing a complaint because they are going against my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Go Capital Holdings, LLC
State: AZ

Complaint narrative:
I wanted to trade my car in with XXXX. They gave me an offer, but later called me to inform me that they did not have a warehouse in XXXX yet, and I would have to trade it with someone else. They assured me ( on the phone ) that I could refinance my loan with their loan servicer after I put down the large payment from my trade-in and make a few payments. I agreed, took out a loan with their servicer ( Go Financial ), bought a car with them, and sold my car elsewhere.
Months later, I asked the loan servicer how I could refinance, and they told me they DO NOT offer refinancing. Now I am stuck with a large payment each month since I could only put {$500.00} down towards the loan since I could n't trade my car with XXXX and had to wait to have my XXXX car delivered before I sold my old car so I would n't have to go without a car. 

Had I known I would be stuck with this large payment each month, I would not have purchased a car from 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 2017-09-28 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: CA

Complaint narrative:
I wrote a letter to this company dated XXXX XXXX, XXXX to request for investigation with regards to a XXXX XXXX account reported in my file. Then I wrote a letter to XXXX XXXX date XXXX XXXX, XXXX. XXXX responded that they investigated the account and that this verified correct and valid WITHOUT any validation documents ( i.g. bill/statement, proof that alleged account was assigned to them etc. ) that will prove the validity of this account. This company can not even tell me when was the date of service which on their letter shows " XXXX/XXXX/XXXX ''. Their response is unacceptable and unlawful, so is this credit repository 's response and not removing an UNVALIDATED item is a violation of FCRA. Attached is XXXX 's letter, copies of the letters sent to this credit repository and to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: MA

Complaint narrative:
On XXXX XXXX an electronic payment was made to XXXX XXXX XXXX in the amount of {$930.00}. XXXX XXXX XXXX is one of the biggest banks that perform transactions on the weekends ( based on my experience ). I 've never experienced anything like this before. Apparently the Federal reserve does n't conduct business on the weekend which I did not know therefore not completing my traction until Monday? See attached documents from XXXX XXXX XXXX verifying when the payment was submitted/remitted and was submitted to XXXX XXXX XXXX asking to correct the reporting type. I have never been late with a mortgage payment. I need this removed from my credit file.

Company response to consumer: Closed with explanation