vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-14 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: OR

Complaint narrative:
Hi there, I was one of the ~150 million affected by the Equifax breach. This was my experience trying to clean up the mess for myself.
1. I was not personally informed that I was affected by the breach, despite the urgency and danger of the situation.
2. Equifax 's language is vague and misleading. Something along the lines of " you may
have been affected by the breach ''. They need to own up to it and say yes, go protect yourself, or no, you 're fine.
3. When trying to fix the problem at both Equifax and XXXX, their credit monitoring product is pushed. The bureaus are making money off of this breach because people are ( rightfully ) scared 3. I tried to place a credit freeze at all three agencies online. At the end of the process every single one said " we are unable to process this request '', or something similar.
5. I have a {$10.00} charge from XXXX on my bank account for the freeze despite the request not going through. 
6. I tried to do the freeze via the automated phone systems at all three bureaus with the same results. None of them went through, and XXXX 's line is truly awful. There are silences of 45 seconds between questions and confirmations, and the next step. 
7. I spent my morning gathering the documentation needed to mail in the freeze requests. I spent my lunch break going to the post office and spent {$40.00} on postage for certified mail, money order fees and the fees for XXXX and XXXX to freeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have been trying to fight Wells Fargo to resolve this issue to fix my mortgage and to save my house. Every time I try to get an adjustment from the bank they decline it every time. I went into bankruptcy so that they can stop trying to sell the house while I try to save it. I 'm doing everything I can to save my house. Payments are being made and I 'm requesting adjustments every time I can even if they decline everyone. I ca n't sleep because of this issue, they just do n't want to do anything to help me. They just want to sell my home without trying to help me resolve this issue.

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 2017-09-14 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: MN

Complaint narrative:
I had fraud accounts on my credit report and I informed Transunion several times and there 's been nothing done about it, they told me to get a police report and I did and sent it to them and the items are still reporting. It has been a year and half now that I been trying to fix this issue. 

XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress forXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX. I have never been late on this account. 

XXXX XXXX XXXX # XXXX Date Opened :XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress forXX/XX/XXXXXXXX. I have never been late on this account. 

XXXX XXXX XXXX # XXXX Date Opened :XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX. I have never been late on this account. 

XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX and they informed me not to make a payment till the dispute is in progress for XXXX. I have never been late on this account. 

XXXX XXXX # XXXX XXXX XXXX : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX  and they informed me not to make a payment till the dispute is in progress for XXXXXXXX. I have never been late on this account. 

XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress foXXXX XXXXXXXX XXXXXXXX. I have never been late on this account. 

XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX. I have never been late on this 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 2017-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Another Fraudulent Wells Fargo Practice Home Mortgages ( Misapplication of Loan Pre-payments ) My wife and I have a home mortgage with Wells Fargo ( origination XXXX XXXX ). During XXXX we began making additional payments to build equity and, hopefully, payoff the mortgage before the end of the stated term. We communicated our intent for additional payments to be applied to principal. Indeed, Wells Fargo appropriately applied our additional payments to principal until XX/XX/XXXX. 

However, in XXXX XXXX, for some mysterious reason, Wells Fargo applied our additional payment to the XXXX XXXX principal and interest payment ( i.e., a pre-payment of the following months mortgage payment ). Wells Fargo failed to notify us of this change in method of applying additional payments. Wells Fargo representatives indicate that the reason the payment was not applied to principal was because we did not provide specific instructions for that payment to Wells Fargo. This explanation was shamelessly provided notwithstanding the fact that previous payments were appropriately applied without specific instructions. Wells Fargos explanation is even more unbelievable when you consider the fact that we made our regularly scheduled payment in the following month ( in XXXX XXXX ). At that point, it was obvious that our intent was NOT to pre-pay the XXXX XXXX mortgage principal/interest amounts. 

Note : We pay our mortgage electronically ( like most people ) so we do not provide instructions for each individual payment. However, we previously communicated to Wells Fargo that any additional payments should be applied to principle. 

Wells Fargo has repeated this practice on several occasions over the life of the loan. As a result, my current loan balance ( as of XXXX XXXX, XXXX ) is overstated by approximately {$2400.00}. 

When brought to their attention, Wells Fargos attempt to correct these errors generally result in additional errors ( e.g., late fees charged to my account when payments were reversed in the system, etc. ). In fact, Well Fargo representatives recently tried to discourage me from pursuing this claim indicating that payments will need to be reversed all the way back to XXXX, which will increase the chance of more errors. I couldnt help but think : Did they really just say that? 

I believe this is just another common tactic that Wells Fargo uses to covertly steal their customers money. The representatives at Wells Fargo that I 've been dealing with have been very respectful and appear to be genuinely interested in addressing my concerns. However, it is obvious that they are operating under Corporate mandated directives that restrict their ability to do the right thing, which is not that surprising given what we now know about the culture at Wells Fargo.

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 2017-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Today I was told when I attempted to make a deposit that Chase had decided to close my account and no longer do business with me. I had written {$7000.00} worth of bills/checks against this account. Today they told me they closed my account on XXXX. No written notification was given and me and they tell me they will not reimburse me for bad check fees and charges that I will incur because of their action. I as you know have been fighting them for XXXX XXXX years over mortgage modifications and the fact that they illegally foreclosed on me in XXXX. No one helps me at Chase. They deny they have done me wrong and it just continues. Now they are do to foreclose on my property after not even posting the foreclosure notice on the house or notifying me in writing. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: Nelnet, Inc.
State: RI

Complaint narrative:
In XXXX I applied to lower my payments. My application was never processed. I was then told I needed to pay money to exit the payment program I was in which I was never asked to do. I did this and I had to reapply. This whole process delayed about XXXX months and forbearance had to be added to my account and interest capitilized. I was also told that my payment would lower based upon the information I provided over the phone. My payment did not lower. I was threatened wage garnishment if I did not pay. When I complained about how long this process took, they back dated my payments XXXX months. I disputed this and when I asked if I could afford to come up with XXXX months of payments if they could credit them as showing timely due to this poor decision, they declined and if I made the payments they would show as late. I refused until they would resolve my loan. This has caused me extreme distress especially because they call me and email me constantly advising me how late my account is showing. I was then called and told that if I made XXXX payment on XXXX, they would apply a XXXX month administrative forbearance on my account. I had no other issue because I didnt want my credit damaged but they would not reverse all of the interest that kept capitalizing. I made a payment on XXXX. I was then told they could not apply any administrative forbearance on my account and refused to give me even a regular forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: MI

Complaint narrative:
On XX/XX/2017, Equifax announced that the data of 143 million Americans had been stolen. They have indicated that my data is likely included in this breach. ( https :  //www.equifaxsecurity2017.com/ ) The negligence here is astounding. Now, both time and money will be taken from me as I set up security freezes with the 3 major credit reporting companies in order to protect my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
over a period of 5 days in XXXX XXXX dollars was taken from my savings account at td bank. I was out of the country during that time and my card was not with me. when I went to check my account a month after I returned home ( the man at td bank that I reported it to who was an assistant XXXX said I had a 3 month time period to report it and I was within that time period ).. it have spoken to the assistant XXXX and the XXXX of the branch and filed a report with the nyc police department but it is almost 4 months later and this XXXX is still missing. as I need to pay a caregiver for my husband I need this money but am getting no results from the bank and do n't know where to turn to next. any help you could give me would be most appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was going to book a flight on XXXX for my daughter. Because of the high price I decided to accept the XXXX $ of your ticket by applying for a XXXX / AAdvantage Platinum XXXX card. I applied and was approved. 

I then learned it will be XXXX days to receive the card but I need to purchase the ticket within XXXX hours. 

I could n't find a number at XXXX that could help, but was able to communicate via twitter. They told me I needed to wait for the card to arrive before I could use it. 

I was told I would get XXXX $ off the ticket, but that is not possible. I wo n't get the card in time to purchase the ticket. This was false advertising implying I would get XXXX $ off this ticket.

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 2017-09-14 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: TX

Complaint narrative:
XXXX Treasury Closed Reported XXXX/XXXX/XXXX Lacks XXXX Closed Reported XXXX/XXXX/XXXX Us Dept Vets Closed Reported XXXX/XXXX/XXXX Us Dept Vets Closed Reported XXXX/XXXX/XXXX Us Dept Vets Closed Reported XXXX/XXXX/XXXX Diversified {$340.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Opened XXXX XXXX, XXXX North Amercn {$640.00} Opened 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 2017-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX # XXXX. I had complaint about this company before and I had not received back any correspondence from this company. It has been more than 30 days since and this account I demand to be removed from my Credit Report.Pursuant to the Fair Debt Collection Practices Act, XXXX U.S.C. Section XXXX, you are hereby notified to CEASE AND DESIT all further communication with me in regard to the referenced debt. 
Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
XXXX 's Place switched banks that handle the store credit card from XXXX to Comenity Capital Bank. XXXX offered an autodebit option where as Comenity does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: TX

Complaint narrative:
Dpt Treasury Closed ReportedXX/XX/XXXX XXXX XXXX Closed ReportedXX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Diversified {$340.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$390.00} OpenedXX/XX/XXXX XXXX XXXX {$640.00} Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: TX

Complaint narrative:
Dpt Treasury Closed ReportedXX/XX/XXXX XXXX XXXX Closed Reported XX/XX/XXXX Us Dept Vets Closed ReportedXX/XX/XXXXUs Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed ReportedXX/XX/XXXX XXXX {$340.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$390.00} OpenedXX/XX/XXXX XXXX XXXX {$640.00} OpenedXX/XX/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 non-monetary relief
Consumer complaint received 2017-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On MondayXX/XX/XXXXmorning at XXXX XXXX I discovered at least three fraudulent changes on my checking account with TD Bank. Two were charged to XXXX XXXX ( {$940.00} + {$680.00} ) and one was charged to XXXX ( {$1.00} ). 

I called TD Bank and reported the fraud. They told me that the card was compromised and the card would be deactivated. They told me that I had to wait for the pending charges that I saw on my account to post before they could dispute it with XXXX XXXX. 

The XXXX charge dropped off. 

They told to me to check periodically and as soon as the charges posted they would begin the investigation. I called again TuesXX/XX/XXXXand and again todayXX/XX/XXXXbecause the charges are still listed as pending. 

My question to them is why had n't they done anything in the intervening 3 days? 

I asked them to explain the logic of waiting for pending fraud changes to be completed, and then to have to recover the money that was now stolen. 

I also questioned that a credit card transaction was different from funds being handled as a debit from a checking account. After I got off the phone for about 12 minutes. I checked the email status of the complaint that I had registered on Monday XX/XX/XXXX. ( XX/XX/XXXX XXXX XXXX XXXX right after the phone call ) This is what it said : Dear xxxxxx, Thank you for contacting us in regard to your account. 

To dispute the Debit Card/POS debit charged to your account, please contact our 24 hour Customer Service department or visit a customer service representative at your nearest TD bank store and ask hem to fill out a regulation E form for a merchant dispute. This form will grant us the authority to act as your advocate and research the disputed Debit Card/ POS debit. '' Five minutes ago on the phone TD Bank was still telling me that I had to wait for the charges to post before anything could be done. 

To add insult to injury I was in a TD Bank branch the morning of XX/XX/XXXX to get another debit card, and could have filled out the dispute Monday morning. For some reason TD Bank did not want me to do that and either willfully lied or misdirects its employees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Alorica Inc.
State: AZ

Complaint narrative:
XXXX calls me and tells me where she is from and states that she is calling to collect a debt. She states " You have XXXX hours to call me back or I will send an arrest warrant to your home or workplace. ''

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 2017-09-14 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: OR

Complaint narrative:
Hi there, I was one of the ~150 million affected by the XXXX breach. This was my experience trying to clean up the mess for myself. 

1. I was not personally informed that I was affected by the breach, despite the urgency and danger of the situation. 
2. XXXX XXXX language is vague and misleading. Something along the lines of " you may have been affected by the breach ''. They need to own up to it and say yes, go protect yourself, or no, you 're fine. 
3. When trying to fix the problem at both XXXX and TransUnion, their credit monitoring product is pushed. The bureaus are making money off of this breach because people are ( rightfully ) scared 3. I tried to place a credit freeze at all three agencies online. At the end of the process every single one said " we are unable to process this request '', or something similar. 
5. I have a {$10.00} charge from XXXX on my bank account for the freeze despite the request not going through. 
6. I tried to do the freeze via the automated phone systems at all three bureaus with the same results. None of them went through, and XXXX XXXX line is truly awful. There are silences of 45 seconds between questions and confirmations, and the next step. 
7. I spent my morning gathering the documentation needed to mail in the freeze requests. I spent my lunch break going to the post office and spent {$40.00} on postage for certified mail, money order fees and the fees for XXXX and TransUnion to freeze my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation