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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I went to the Equifax site to see if my information was affected by their security breech. This would have been around XXXX XXXX. Their site said I was n't affected bu that I could still register for free credit monitoring. However, rather than do it automatically or allow me to do it manually right then, the website tells me to return to a site on the XXXX. ( I believe that if I did n't do it on the XXXX, I would have to start over. ) I returned on the XXXX and filled it out. Then I had to wait to get a verification email. On XXXX XXXX, I got that email. Not especially helpful is the fact that the email comes from an email domain that is trustedid.com ( via XXXX ) but it includes a link to a different domain, https : //trustedidpremier.com. I clink on the link in the email and it takes me to a page that always says " System Unavailable. We are unable to process your request at this time. Please try again soon. '' I tried multiple times over multiple days with no change. 

I then called the phone number in the email from the XXXX. The operator manually checked my credit to verify my identity -- but with questions that I 'm not going to have handy ( What was the amount of my car payment 7 years ago, etc. ). Having passed that check, I am now waiting 48 hours for yet another email and then I need to click on that email and then fill out more information. 

The point is quite simple : Either this system is incompetently designed -- or it is purposefully designed to make it almost impossible to successfully enroll in the Equifax credit monitoring program that results from their latest data breach. I have used a lot of websites and I ca n't recall anything as onerous and inefficient as this process. 

It is hard to believe that Equifax is not throwing up barriers to enrollment in this program. There is no way that the design of this enrollment is a good faith effort to help people ; quite the contrary it would seem. 

I 'm pasting in the content of the email as a reference : Your Activation Email is Here Dear { removed }, It is time to take the final steps in enrolling in your free product, TrustedID XXXX, by verifying your identity. To do this, youll need to answer some questions about yourself. Successfully completing this step will conclude your enrollment process and activate your product. 

To verify your identity and activate your product, please click the link below : https : //trustedidpremier.com/XXXX XXXX { removed XXXX This link will remain active throughout the enrollment period, which expires on Monday, XXXX XXXX, XXXX. 

If you did not request this email or if you have any questions, please contact us at XXXX. 

Sincerely, Your Equifax Customer Care Team

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I purchased a preorder pair of headphone for {$140.00} from a company called XXXX on XX/XX/XXXX. In XX/XX/XXXX the company claimed to be finally shipping out the headphones. They were sent out to a person to review them on XXXX and they received a bad review. The very next day XXXX closed up shop leaving many customers without their preorder money and no head phones. I reached out to my bank Capital One to dispute the transaction and was told that is was past their 120 days to dispute. They told me I had to go about to XXXX and request a refund. I again went back to Capital One explaining that the company does not exist anymore so I can not contact them. I have tried four different times to have Capital One refund my {$140.00} but to no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
My XXXX card includes the benefit of up to {$100.00} reimbursement per year of incidental airline expenses. On XX/XX/XXXX I made two {$25.00} charges to the card for baggage fees. The {$50.00} has not been reimbursed, despite my repeated requests to the issuing bank and the concierge. The official card website ( XXXX XXXX XXXX ) states " Cardmembers should allow 2-4 weeks after the qualifying incidental air travel fee is charged to the Card account for statement credit ( s ) to be posted to the account ''. Obviously that time frame has long since passed.

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 2017-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX handed all my data over to an unknown third- party ( hackers ) ... .the want me to enroll in some monitoring service but what safeguards to that being compromised? What I want is access to my CREDIT SCORE 24/7 ... if hackers get it for free I want it for free to ... that info belongs to me and they will still make money selling that info to others -- -but it is me -- -my info ... .I was never asked if I wanted them to collect share or sell 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 2017-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I 've told paypal that they have the wrong name listed and they keep on calling me starting at XXXX XXXX all the way to late in the evening up to seven times a day everyday since XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2012, my now ex-girlfriend added my name as an authorized user on her {$10000.00} limit card from Wells Fargo. She maxed out her card, and now the bank is reporting my to credit agencies. As an authorized user on an account, I can not be held liable for the debt incurred. The bank does not seem to understand this.

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: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Calling both my place of work and my family members. No details just that they are a debt collector and want me to call them back at XXXX referencing case 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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA

Complaint narrative:
After my car was deemed total loss by the insurance company, My original auto loan was sold of to another company called XXXX XXXX XXXX. The new financial company informed me that my title to the vehicle would be released to me once all payment was submitted by the insurance company and the GAP department. I have never received any detailed break down of payment and principal balance after the last check was issued from afa claims ; in the amount of XXXX, during the month of XXXX.I demand an up to date document that was reflecting my balance tome emailed or mailed to my address. XXXX XXXX XXXX the most recent statement I have from XXXX XXXX XXXX, reflects the principle balance of XXXX, no interest fees, no late charges, no other fees owed, no stipulation of fees being added.In addition to that, the minimum payment reflected a due date of XX/XX/XXXX. This small dollar amount left on my account is for payment in exchange for right to obtain the salvage title to the vehicle. As of XX/XX/XXXX, I called to inquire about the full pay off amount for the title. I was told that my entire balance changed although no representative could assist me. I spoke with several people include XXXX XXXX. He was unable to provide me the reasoning or the detailed break down as to how or why my account balance changed. When asked for someone to email me an up to date bill. I was told NO. At that point, My phone call was being re directed to an individual named XXXX XXXX answering machine service, because I was told my account file was being put on the market, " remarkting. " I informed XXXX XX/XX/XXXXthat did not wish to have my account sold off, I only wish to pay my true principle balance so that I may obtain my title. Its been 24 hours and I still have no update emailed of a statement that reflects their claims of m, y account balance changing. This company is operating is a fabricating their information. This company is presenting fraudulent information to me. Please help 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 monetary relief
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: Focus Holding Company
State: OH

Complaint narrative:
Hello, I am hoping to resolve an outstanding collection pertaining to an equipment charge for which XXXX XXXX billed me in error. XXXX XXXX acknowledged the oversight in the amount of {$140.00} and adjusted it. By that time however it had been turned over for collection to XXXX XXXX XXXX XXXX XXXX ( Ref # XXXX ). Having made no attempt to verify the status of the debt with XXXX, XXXX is insisting that the debt is valid after I made them aware of the oversight. Having obtained no help from XXXX, I filed a debt dispute with XXXX Apparently XXXX directed their inquiry to XXXX rather than XXXX, the original debt holder. Consequently XXXX is saying the debt is valid based on the outdated information supplied by XXXX. In order to resolve this matter, XXXX XXXX the original creditor needs to be contacted as the matter was resolved directly through them, but neither XXXX nor XXXX will apparently do so. 

Particulars : XX/XX/XXXX XXXX turned over a debt in the amount of {$140.00} that had been incorrectly billed to my XXXX account XXXX for equipment that had actually been returned but got lost on their end. 

XX/XX/XXXX XXXX adjusted the balance of account XXXX to XXXX and advised that the collection agency would be contacted. I continued to get calls from XXXX and contacted XXXX once more who again verified that the matter was resolved and told me to ignore the collection agency but if they persisted provide them with reference number XXXX. 

XX/XX/XXXX through today. I contacted XXXX to advise them of the resolution and provided them with the reference number provided by XXXX concerning the resolution. When XXXX failed to investigate and resolve the matter I contacted XXXX and requested their assistance ( File Number XXXX ). 

XXXX 's response to my request to investigate was to contact the current account holder listed as XXXX XXXX XXXX and declare the debt valid. After the first time they did this I contacted XXXX and asked that they contact XXXX the original debt holder who can confirm the debt as satisfied. For the second time they contacted XXXX XXXX XXXX  formerly known as XXXX XXXX XXXX XXXXthe current debt holder rather than XXXX and have again declared the collection valid. 

XXXX has and continues to show the adjustment of the {$140.00} however neither the XXXX XXXX XXXX ( aka ) XXXX XXXX XXXX XXXX XXXX nor XXXX appear to be willing to verify the matter as closed and my credit score is continuing to be adversely impacted. 

I am requesting the assistance of an objective 3rd party to act as a liaison to cross reference the information with XXXX. Only then will it be possible to confirm the debt as closed so that the misinformation now showing on my credit report may be removed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I opened a savings account and funded it with {$1000.00}. On XX/XX/XXXX, with no notice my savings account was closed by BMO. A check was supposedly mailed to me but I was travelling and it was returned by the post office. It has been a nightmare trying to get this {$1000.00} back. I have called, chatted, messaged, XXXX and no one has been able to help me. I was told I could call a supervisor named XXXX XXXX at XXXX. That number was a fax so no help. I was told XXXX XXXX from the internet sales team would need to call me back. She never called. When I followed up I was told there is no one there by the name of XXXX XXXX. This has been a very frustrating experience. It 's even more frustrating that I have a checking account and it would have been possible just to deposit the money there. It also would have been very helpful if they had communicated the need for any paperwork or that they were closing the account. All in all a very bad experience with this account and all the customer service reps who could n't help.

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: Ocwen Financial Corporation
State: IL

Complaint narrative:
I am currently in mediation with Ocwen on my mortgage. I went to a housing counselor and she helped me submit a request for modification. Ocwen turned me down because they said there were numerous credit inquiries and collections on my credit report. I obtained a copy for myself and the information they said was there is not. The only bad account, other than the mortgage, is a doctor bill. The reason that was not paid by medicare is because the doctor 's office delayed to long to submit the charges. I have one credit card and the payment is listed as never late. I also had a small loan at the bank which was paid off years ago and it states that it was never late. I do n't think they even really considered my application because i received a denial letter one week after they said they had all the information. I am XXXX years old and sometimes i feel like they think I do n't know any better so they can do what ever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On my XX/XX/XXXX Cabela 's Club XXXX card, I misread the amount due and paid {$1600.00} instead of {$1600.00}. When I received my XX/XX/XXXX statement, I was charged {$1.00} finance charge for the XXXX cents not paid on the XX/XX/XXXX bill. I called Cabela 's Club XXXX at XXXX to complain and was informed they base their finance charges on the average yearly daily balance and not on the actual amount owed and not paid. I was successful in having the {$1.00} removed, but I ca n't imagine it being legal to charge interest on monies you do not owe. When I use this card I always pay in full immediately so this caught me quite by surprise. I ca n't imagine how many persons are being charged this exorbitant amount of interest and do not realize how their interest is being calculated. In my opinion, this is a huge consumer rip off and steps should be taken to ensure fair and reasonable finance charges are in place by this company.

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: Home Point Financial Corporation
State: PA

Complaint narrative:
This in response to complaint # XXXX. I want a copy of what this credit bureau was sent for them to mark as a inquire. From my understanding in order to pull my credit report they need a sign copy for authorization to do so. That 's what I want Provided to me. If they ca n't provide that I want it removed immediately.

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 2017-09-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
Today I was contacted from Ally Financial about a past due lease payment. The last time I made my payment I believed I had enrolled in auto-pay. When I got the call today they said I was n't and was now past due. I immediately made the entire payment, but was notified that the credit hit would stay. They made no attempt to call me previously. I am in the middle of the mortgage process and this will put a tremendous hardship on me and my living situation. Extremely frustrating that a lapse in their communication and my auto-pay not being processed will have such a negative impact as all accounts are paid.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Noticed many inquiries that i did not give permission for on all 3 major credit bureau. I believe that I just like many of the 100 million people who 's information was leaked fell victim too.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Noticed many inquiries that i did not give permission for on all 3 major credit bureau. I believe that I just like many of the 100 million people who 's information was leaked fell victim too.

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: WA

Complaint narrative:
X/XX/2017. Attempted to freeze Equifax account using telephone # provided by your website : XXXX. Data entered using the telephone prompts- > '' system processing '' - > '' unable to process at this time, call back later or go to online site ''. I had previously looked at the online version and found it incredibly user unfriendly, and overly wordy. Freezing my account should NOT be made unduly difficult!! 

Additionally, I would fire this company if I had the means to do so! Equifax is NOT worthy of my trust, is NOT qualified/responsible enough to have any of my most vital financial information ( particularly my social security number ).

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Sent by certified mail on XXXX a dispute request to Experian regarding some information that is being erroneously reported on my Bureau. I have requested several times that i be supplied with specific Method of Verification information as it relates to public records in my file. On XXXX i received an email stating that my disputes were pending outcome. On XXXX, i received an email from Experian saying there review was complete and that the information on the report was verified with the court and updated. I supplied Experian with a letter from the Federal Bankruptcy Court for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. '' With their investigation, they did not supply me with specific information as i requested. Name of person spoken with, telephone number of said person, address, date of conversation. Nothing at all. I called Experian on XXXX to inquire about the investigation and spoke to a gentleman name XXXX from XXXX XXXX. He informed me that they could not send me the specific information regarding the method of verification and that a third party vendor that they use to gather the information does it in an automated fashion. That does not conform to the FCRA guidelines. He further stated i could not get any information as it pertains to that. I was told that i would get a call back from a supervisor so that he could explain to me why i was not going to get the information that i was requesting. Report number is 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