vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Completed a Loan Modification on a mortgage and have been paying the mortgage payments consistently since XX/XX/XXXX. It was my understanding that after the modification was completed that the loan would be recorded on the three credit repositories. Note, a BK XXXX occurred, the loan was included in the BK XXXX, with the request to reaffirm the mortgage since the modification was approved and the trial period was successful. To date, the mortgage is being paid on time every month. It is unfair that these mortgage payments are not being reported to any of the credit repositories, evidencing the payment history. I would like to have these payments commencing from XX/XX/XXXX to present to be recorded with the three credit repositories. The modification process required me to execute an additional mortgage and promissory note, which was recorded at the county level so why then is this information not being carried over to the credit repositories? Any assistance you may offer would be greatly appreciated. 
The attachments supplied to this complaint show the modification balance, the payments made since the loan modification up through XX/XX/XXXX with the new escrow balance being required. ( Note : WF Paid outstanding water liens on the property which were missed during the modification closing - in order to clear them, I requested that payment is made to the City so that everything was clear from the property ) An increased payment will commence in XX/XX/XXXX. 

Thank you for your efforts in advance and I do hope that this matter may be resolved quickly.

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 2017-09-09 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
First off, due to the data breach with Equifax, I do n't feel that I should have to pay them {$10.00} to initiate a credit freeze. I would n't have done so if they had n't had the security breach. Now, they are profiting due to their own ineptness. 1 year of credit monitoring is n't sufficient as a response either. They need to offer a free credit freeze to anyone who is affected by the breach and their own website said that I was. 

Despite the above concern, I initiated a credit freeze with Equifax ( and the other two ) and then went to pull my credit report at XXXX. The Equifax site said " The System is Currently Down for Maintenance ''. Unacceptable. I went back in again and it let me get all the way to verifying my identify before the system went down again with the same message. Still unacceptable. 

XXXX has a similar issue where the report would not generate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Bank is charging {$15.00} per month repeatedly including in XXXX of 2017 and months prior. When account was opened advised minimum balance of {$500.00} for account and now they are claiming, fraudulently, {$1500.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax hack.My credit information was exposed.

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

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

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

Complaint narrative:
Equifax mishandled my personal information which has led to a data breach that puts myself and millions of others at risk. They decided not to securely handle this important data with proper authentication, encryption, or storage. Sensitive info, like my SSN, now has the potential to end up in somebody 's hands that will use it to steal my identity and potentially ruin my life. 

I am extremely upset with how Equifax has handled reporting this breach as well. Very little was done to notify the public after the breach was detected. I had to find out about the breach from second and third hand sources on social media, as I received no notification what so ever. This all is an undue burden from a company that I have no choice of doing business with, as they are a vendor to my credit companies. Equifax has displayed the utmost negligence and lack of remorse. Their executives even cashed out stock before announcing the breach to the public so they would n't lose too much money, which is truly shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jacob Law Group, PLLC
State: TN

Complaint narrative:
THIS IS GETTING TO BE RIDICULES I HAVE FILE COMPLAINTS AGAINST XXXX XXXX XXXX. I HAVE TOLD THEM THE AMOUNT I OWE THE COMPANY IS XXXX BUT THIS HAS GONE ON FOR OVER 2 YRS AND NO RESOLUTION PEOPLE HAVE BEEN THREATEN AND LFT VOICEMAIL OF PHONE NUMBERS WHO WAS NOT GIVEN. I HAVE SAID THIS TIME AND TIME AGAIN WHAT I OWE XXXX THEY WANT MORE AND FILE SEVERAL COMPLAINTS WITH THIS OFFICE AND FTC ETC. NOW I RECEIVED A LETTER FROM JACOB LAW GROUP , PLLC. IS ANYONE LISTENING TO PEOPLE WHEN THEY FILE THESE COMPLAINTS AND CONSUMERS ARE GETTING HARASSED. I HAVE TRIED TO WORK OUT THIS AMOUNT YOU HAVE OTHER CONSUMERS SAYING THE SAME THING ABOUT THIS COMPANY AND NOTHING IS DONE. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
The company took collection on me for a medical collection, in which I have never heard of the company. Collection wrong amount. Should n't be a collection and I have never even been to the place where the collection is coming from. 
Reporting on XXXX XXXX, 2017 and opened in XXXX. It completely wrong and inaccurate. 

The company is Common Wealth Financial.

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

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

The operational incompetence of Equifax and its senior leadership is appalling. The breach was not properly disclosed and their internal systems are not prepared to handle the public 's concern. I am unable to receive my Equifax credit report because " the servers are busy '' and the wait time on their hotline is hours. Furthermore, there are reports of false positives on their own " check if you were impacted '' site. So, I do n't know if I was impacted, I ca n't verify on my own if I 've been impacted, and the credit monitoring solution they offer sends mobile users in an infinite loop of non-resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is listed on my credit report with the initial creditor noted as XXXX. I mailed to XXXX XXXX to validate debt and mail was returned. I submitted a complaint to CFPB and the response from XXXX XXXX XXXX was the debt did not belong to them.

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 2017-09-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is listed on my credit report with the initial creditor noted as XXXX. I mailed to XXXX XXXX to validate debt and mail was returned. I submitted a complaint to CFPB and the response from XXXX XXXX XXXX was the debt did not belong to them.

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

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

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

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

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

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. Equifax has been negligent in handling this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

A company that can not properly handle sensitive information should not be trusted and consumers should not be responsible for rectifying the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
I was in default with my student loans and Navient contacted me in regards to them and I started the repayment plan to get me out of forebearance. But, they knew I worked at XXXX because my check was garnished for awhile and never told me of the Public service loan forgiveness program which I was eligible for. That was over 3 years ago and I would of made sure i kept up with my loans while in XXXX College. I saw the lawsuit against Navient and wanted to make sure I was part of this as well. Please let me know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: FL

Complaint narrative:
Exquifax credit reporting is showing 2 collections on the reports for my account. XXXX is showing 1 same issue. I have called and questioned them and was told they could not resolve my issue as they have no opening dates on either account. XXXX is showing 0 collection accounts. Why would Exquifax be showing 2?. I know the Federal Fair Reporting sact requires a credit to remove an item if they can not show an opening date. I hope you can intercede on my beghalf to make sure they report the correct information one of the agencies is called XXXX XXXX XXXX and the other is XXXX  XXXX. Both of yhese item were paid and were supposed to be taken off my report at time of payment. But as usual each collection agency lied and left them up to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: AFNI INC.
State: AL

Complaint narrative:
I reviewed my credit report and noticed an error on XXXX. A collection agency called AFNI is reporting that I owe {$1400.00} AFNI XXXX XXXX XXXX XXXX Original Creditor Amount Owed : {$1400.00} I contacted AFNI and was told that they do not own this account or have the account in their office. They said they have no knowledge of this.. I asked them to remove it from my report. They stated they would not.
I am writing to request that AFNI be removed as they do not have an account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I made payments in the total amount of {$4400.00} that were posted to my BMO Harris Bank credit card account on XXXX XXXX, 2017. This was reflected on my credit card statement dated XXXX XXXX, 2017.
In early XX/XX/XXXX, I received a letter dated XXXX XXXX, 2017, from BMO Harris Bank stating that " we recently became aware of a payment that was applied to your account in error. You will see a debit in the amount of {$3400.00} on your account on XXXX XXXX, 2017. '' Upon receipt of this letter, I immediately contacted them to dispute this reversal of my payment from 4 months prior. They told me that they had no information why this occurred but would investigate it. A week or so later, I received a voicemail saying that they were looking into it, but could n't yet provide me with any additional information. On XXXX XXXX, 2017, I contacted them again. Again, they had no information regarding this payment reversal. My last contact with them was yesterday, XXXX XXXX, 2017, and they are still unable to prove that my payment was not properly made.
BMO Harris Bank made additional errors in opening this credit card account originally, and their customer service trying to resolve these issues has been horrendous. I have been a customer for approximately 20 years, with various checking, business, and credit accounts. I have no faith anymore that this bank is able to properly keep records and will be closing all my bank and credit accounts with them because of these disputes.

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 2017-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
i recently looked over my credit report and noticed a collection account by CBE as I do n't recall signing any contract with a company by this name nor do I recall receiving any duns letter by them. so I send them a certified letter tracking number XXXX XXXX XXXX XXXX XXXX requesting for a copy of any viable evidence bearing my signature showing the account is being reported accurately. I also informed them as per FTC letter from Attorney XXXX XXXX XXXX you should be aware that a printout of a bill or itemized documents does not constitute verification. being that I have that right under the Fair Credit Reporting Act and Fair Debt Collection Practices Act but they have refused to send as well as mark my account as disputed within the 30 days which is a violation of my rights under willful noncompliance as per FCRA 623 ( a ) ( 3 ) Responsibility of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s- 2 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I called Experian to dispute information on my credit report and was put on hold and had the call disconnected. I spoke with XXXX from Experian and she told me she would need to transfer me to the Customer Assistance Special Services ( CASS ) I then got transferred to an automated machine that could not process my dispute.
I called back and spoke with XXXX over the phone and he said he could not transfer me to CASS dept XXXX XXXX because he does not have the capability to do so. XXXX transferred me to the dispute department which I waited on hold for another 20 minutes.
Then I spoke with Team Instinct XXXX on or about XXXX and she said she processed my dispute. I hope that Experian can help solve the hold and wait time because consumers should be able to dispute information online without calling.

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 2017-08-16 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I carry a balance on my Chase Freedom card with a promotional 0 % rate. I made additional purchases on the account in XX/XX/XXXXand XX/XX/XXXX, which is charged interest as soon as the charges hit the account. Prior to the next statement date, I paid the minimum amount due plus the full amount of the new purchases. I assumed that Chase would apply the amount in excess of the minimum amount due to the purchase balance, as the law requires that payment in excess of the minimum be applied to the balance with the highest interest. Chase applied the full payment to the 0 % balance. I called Chase and I was told that the excess payment was not applied to the purchases since they were not on the prior monthly statement and are not considered a " balance '' for payment allocation. I do not think the Credit Card Act of XX/XX/XXXX allows that. If I am charged interest on the purchases, it should be considered a " balance '' on the account for payment allocation, regardless of whether it appeared on a statement or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30, 60, or 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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