vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax and XXXX both are reporting inquiries to my credit report that are not mined. I am a victim of identity theft and I've sent a copy of the police report to Equifax by fax and received a confirmation that it went through, they're claiming they have not received it. XXXX  provided me a fax number that the confirmation confirmed was a poor line and was not successfully submitted, they advised me to mail in a copy, but at this point I dont have the time as I am going through escrow, I've worked with them to remove all inquiries that do not belong to me and to no avail. both have provided me confirmation numbers Equifax # XXXX XXXX  # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I am being harrassed by this credit card company repeatedly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bliksum, LLC
State: NY

Complaint narrative:
I didnt request anything from whomever this they are spam texting make it stop XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
First, this was not just a modification and it had been approved name was changed out of the estate of my deceased daughter. Ocwen put it back into the estate of my deceased daughter. Terms and all conditions are supposed to be provided up front no matter what.

There is a legal requirement to provide ALL terms and conditions up front under RESPA, not a courtesy. The only thing that would void this situation is if I did not perform not make agreed payments.

Ocwen providing documents when and where you want is not my problem, and I intend to not let you make it my problem.

Not three but Five Payments were made before I could get Ocwens attention that a mistake, a servicing error had occurred. Ocwen doesnt get to go back and correct this in Ocwens favor.

There is a trial period but no trial terms. If I start off paying {$300.00} a month I will continue to pay {$300.00} a month and Ocwen does not get to revise terms at a later date to the extent that Ocwen has revised, especially after you deemed me qualified. Ocwen should know better. Ocwen did not provide the information in XX/XX/XXXX as you allege, that is a lie. In fact after the fact Ocwen has gone back tried to clean everything up and tried to sell the loan Five Months later.

You are trying to protect OCWEN, but damaging the homeowner in the process by not following the laws.

If you were Providing a Courtesy it was to Ocwen. I performed Ocwen did not. I did not need your Provided Courtesy, what I need is for you to provide and abide by the law. FHA, HUD, RESPA.

If assisting homeowners is what you do What happened? But that is a lie as well.

I am not opposed to my loan being transferred. I am opposed to Ocwen doing a sloppy and illegal job of following through properly and legally on my loan transaction and contract.

Further, if there was a problem Ocwen had six months previous to the start of payments to make those decisions or changes or not offer a loan contract.

Ocwen cant after the fact scrap the contract after I have performed. If Ocwen were counting on me to not make payments they took a risk/gamble and lost. Ocwen certainly cant think sending my payments back makes OCWEN right.

You requested every document possible and had every opportunity to not make the offer, but once I accept after your careful scrutiny you can not go back and change it after I perform. You certainly cant do it within the constraints of the law.

However you slice it Ocwen has a problem. This needs to be handled by XXXX XXXX because it is now above anyone elses pay grade.

I know the process and the laws behind it. Ocwen will not get away with this.

I know what occurred and your lying is not going to make this go away. Please do what should have been done when I first called it to your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: NJ

Complaint narrative:
Ive contacted Equifax several times regarding this issue. I have never had a loan with XXXX XXXX XXXX. My identity was stolen and accounts opened in my name without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
A false collection has been assigned on my name which I do not owe and has been paid by my roommates for XXXX XXXX utilities con services for the period of XXXX to XX/XX/XXXX. 

I had left from lease for the apartment which i was staying in XXXX XXXX in XX/XX/XXXX. My roommate had got the XXXX XXXX utilties account transferred to her name and paid the bill in XX/XX/XXXX. I can provide her bank statment for the payment made towards the XXXX XXXX utilties. 

The collection agency is Rash Curtis collections. I had requested for the itemized bill for which the collection charged. The company sent a corrupted zip file in email within 5 minutes of the request. When I called them again to request for the non corrupted pdf file, the collection person said they will send the file after the call. But i have not received it for 2 days. 

I had also visited the apartment leasing manager in XX/XX/XXXX and ask her to clear this with collection agency, since she was the one who had forwarded it to collection. 
She had called up collection agency and asked them to clear it since there was no pending balances.But it is still not cleared and there is no way to get this resolved. 

Please help with false collection which is assigned to me. I have attached the file which was emailed to me by Rash curtis which was corrupted. I have also attached the email from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I applied for and received a lower monthly payment amount under the REPAYE program. I have been making regular payments and receive ALL my bills and correspondence online via email. However, this month I went into my online account and the monthly amount due was now 5x more than usual and it said my REPAYE had expired. I received zero email  notices regarding reapplying for this program. 

I checked all over my online account, digging into any documents I could find, and found a notice from XXXX saying I needed to repply. This was never emailed to me and I received no notice saying I needed to reapply or I would have promptly done so. 

I feel that Navient should communicate this to me via email or in paper as they do with all my other communication or billing notices. I searched my email account and junk folder for the date this e-notice was sent and received nothing on my side. I would NOT have overlooked this and would have promptly reapplied.I reapplied at the beginning of XXXX when it became apparent that something was wrong and had changed. 

Now - 10 days past when I normally pay my student loan, they say I am TWO months behind. And have a bill of close to {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX and the XXXX dealership were notified that the person leasing the vehicle was going to purchase the car in full. Both XXXX and the dealer notified the buyer NOT to pay the last month 's lease payment, and instead, that amount would be included in the buyout payment. The purchase went through smoothly, but in XX/XX/2018 XXXX reported a late payment to XXXX for the vehicle, which is now on my credit history. Other than this false report, my credit is perfect with a XXXX+ rating. 

I called XXXX, and they told me that they don't have a record of this report, and that I have to provide them with a letter to prove the issue. This is not my job! XXXX should be doing everything to fix this! 

Even though it's not my job, I did send XXXX a fax with all of the details. I have also reported this issue to XXXX. Both were done on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Home Mortgage escrow did not pay our XXXX XXXX property Tax payment on time. The property taxes were do in XX/XX/XXXX and they did not make payment until they were delinquent in XX/XX/XXXX. This resulted in a loss of income tax savings that we would have benefitted from if had they paid our escrow payment on time. We have contacted XXXX repeatedly over this and have refused to acknowledge their delinquency even though we have evidence of the late payment and a record of penalties they paid to the county for being delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-10 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: CA

Complaint narrative:
On XX/XX/XXXX I mailed out a dispute letter to all 3 bureaus after receiving my credit report I was shocked to see errors on my report. Then to my surprise the results of the investigation came back as verified. On XX/XX/XXXX I sent another letter asking them for the proof and AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.

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 2018-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I am the merchant in this complaint. The bank offered my client a 12 month ( same as cash ) line of credit to make a purchase. The client made the purchase in XX/XX/XXXX. At the end of the 12 month term, the client was charged fees and interest by Alliance Data. Over the course of the next several months, the client disputed it with Alliance Data and called us to find out if there is anything we can do. Alliance data contacted us and asked for the client 's signed CBC receipt. We did not have it since the request came approx. 23 months after the receipt was signed. Alliance Data communicated that if we did not provide the signed CBC receipt that the I ( merchant ) could be responsible for any monies due. I read the Terms and Conditions that I originally signed and it did not state that we needed to keep this signed receipt for 18 months after the term was completed. I disputed this with Alliance Data and they responded with a Bank Operating Procedures document that was never provided to me that contains more detail and additional terms and conditions. The last communication was from me via email on XX/XX/XXXXstating that I do not have the signed CBC receipt. No communication was received from Alliance Data after I sent that email. On XX/XX/XXXX, Alliance Data debited my business checking acct {$6100.00}. Still to date, I have received no information regarding what this is for, why this amount, or any means to provide a rebuttal. My complaint is two fold - Alliance Data 's T & C 's contain no specificity. If I knew I had to retain documents for 30 months from signature, I would do so. Plus, this Bank Operating Procedure document that was provided after the fact should be part of the T & C 's I signed and should not be a separate document. My second complaint is Alliance Data 's failure to provide any supporting documentation as to what the {$6100.00} that was debited from my account is for? Their rebuttal process, dispute resolution process and dispute management is non-existent. In the past, if I receive a charge back from a credit card, there are clear procedures on what is being disputed and how to resolve it.

Lastly, the client states that have paid the balance and has provided me documentation to prove this. Alliance Data has not provided any documentation so I don't have a means to reconcile this issue and have to " trust '' that Alliance Data is correct. I can provide client records showing payment if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: AR

Complaint narrative:
On XX/XX/XXXX I spoke with a representative by the name of XXXX whom was a supervisor in the fraud department. I informed XXXX I had been a recent victim of identity theft and that I was checking the status of a particular account that was in dispute. The account in question was listed as XXXX XXXX. I advised XXXX that this information was inaccurate, and that I was told XXXX XXXX is no longer in business. I asked XXXX how could this information have been verified as of XX/XX/XXXX if XXXX XXXX no longer owned the debt. XXXX went on to explain that the account was verified due to a statement containing my name and address. This is totally unacceptable an not 100 % accuracy for validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted four requests to Experian to correct the name that should be listed on my credit report. I have sent them a copy of my driver license and a copy of my passport with the correct name. They will not update my name on my credit report. The name should be XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

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 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

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 2018-05-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Dyck-O'Neal, Inc.
State: MD

Complaint narrative:
I had a house foreclosed in XX/XX/XXXX that had a XXXX XXXX loan. I paid the required mortgage insurance throughout the length of the loan. After the forclosure happen they turned the amount that the insurance company paid to the bank over to a collection agency, Dyck ONeal. They threaten to take my pension check so I agreed to make monthly payment of {$200.00}. I have been making that payment since XX/XX/XXXX. Do they have the legal right to go after me for this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX promised to help with job placement, and they absolutely did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: UT

Complaint narrative:
This company put my account into a negative balance in order to receive their monthly fee and I was never notified of the policy change that led to it Several months ago, I stopped using my Card.com card  because my employer did not do direct deposit. Now that they do, I checked my account in order to start using it again and noticed that Card.com had put my account into a - {$6.00} balance. When I called their customer service on XX/XX/XXXX to inquire as to why, I was told that they changed their policy in XX/XX/XXXX and they will now take their full {$9.00} monthly maintenance fee regardless of if the money is there, potentially resulting in a negative balance. I was told that I received several emails about this policy change back in XX/XX/XXXX and even though they had my correct email address listed, I never once received such an email. If I had, I would have cancelled my account rather than stay with a company so morally bankrupt that they would force their customers into a negative balance just to get their money. I then spent several hours on the phone, speaking to several agents and at least 4 supervisors. Not a single one treated me like a customer who deserved their respect nor did I even feel like a customer at all. Nay, I felt like a dollar sign to them and not a single person was willing to do one courtesy reversal or at the LEAST, just return my account back to a XXXX balance, regardless of the fact that I never once received the proper notification. This is the only reason why I feel like I am owed 1 courtesy from this company, something I have never asked for before, because I was NOT notified of this HUGE policy change. I have spent 2 days and several hours trying to get this resolved directed with Card.com and they won't budge so that is why I am now filing a formal complaint against them with the XXXX and FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: Avant Credit Corporation
State: CA

Complaint narrative:
I have asked Avant for copies of my contract with my signature. They are reporting two  accounts with one included in bankruptcy which I have never been in. 

I have asked for both accounts on my credit reports to verify the signature and they have not sent me copies after a few request to do so. The included copies show a payment schedule but no proof of payments made and no proof of a signature. 

Thank you

Company response to consumer: Closed with explanation