vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Hello, we have been in a fighting battle with our bank/ servicer Nationstar Mortgage ( who now changed their name to XXXX XXXX ) for a very long time I mean very long time. We have been trying for a loan mod. couple years now and recently its getting worse and worse and the bank keep pressuring and not providing the loan mod. that is being applied for. So our servicer now is XXXX XXXX and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed in a signed copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. XXXX XXXX has all documents mailed which they received and are in review. 
If XXXX XXXX proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act XXXX XXXX has still placed my home on a foreclosure sale set for XXXX-2017 and has not CANCELLED the foreclosure sales until the review and loan modification and the process has been approved and agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: NC

Complaint narrative:
This complaint is a follow up to complaint XXXX filed XX/XX/2017. 
I disagree with the findings of verification stated by the CRAs and the complaint previously brought against the companies has not been satisfied with proof these accounts were validated now removed from my account. Accounts unvalidated were removed from my report by XXXX and I have enclosed the findings of the dispute with this complaint. 

On X/XX/2017 I requested the CRA to furnish : 1. Agreement with the creditor that authorized the CA to collect on the alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested the CRA to provide me with a validation of the debt as listed on the attached correspondence. Please note, this was not a refusal to pay, rather a statement that the CA or creditors claim was disputed and validation was demanded. ( 15 USC 1692g Sec. 809 ( b ) ). The CA or the creditor met my request for information and at this time are knowingly reporting information that is inaccurate. By the provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: FL

Complaint narrative:
On XXXX XXXX, 2017 I obtain a copy of my transunion report and i notice i had inaccurate and incorrect information on my report which caused my score to lowers. 
It is my understanding I would like to receive everything in writing that shows if debts are validated her set with a did.

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 2017-09-17 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: NC

Complaint narrative:
This complaint is a follow up to complaint XXXX filed XX/XX/2017.
I disagree with the findings of verification stated by the CRAs and the complaint previously brought against the companies has not been satisfied with proof these accounts were validated now removed from my account. Accounts unvalidated were removed from my report by Transunion and I have enclosed the findings of the dispute with this complaint. 

On X/XX/2017 I requested the CRA to furnish : 1. Agreement with the creditor that authorized the CA to collect on the alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested the CRA to provide me with a validation of the debt as listed on the attached correspondence. Please note, this was not a refusal to pay, rather a statement that the CA or creditors claim was disputed and validation was demanded. ( 15 USC 1692g Sec. 809 ( b ) ). The CA or the creditor met my request for information and at this time are knowingly reporting information that is inaccurate. By the provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I requested CPS to cease and desist calling me and they did not comply. This occurred beginning of this area. They threatened to take legal action for paying a couple days late. I was told by.CPS that my credit will be affected if it 's a day late. They have bad reviews and do not comply with state and federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello Again CFPB : Now its my hopes that the Consumer Financial Protection Bureau is discriminating against me as a XXXX XXXX Consumer. NoW with that said, let me implore my right to file a complaint under Federal Law with CFPB, THANKS. 

Experian Credit Reporting agency is attempting to suppress my XXXX credit report by 1. Showing a Balance owed with XXXX XXXX XXXX XXXX in the amount of {$42000.00}, a Equity loan that I made as an XXXX man and paid off, but these XXXX XXXX are showing balance still owed, but I 'm contacting CFPB first and I 'm owed {$1.00} XXXX dollars by the government, upon receiving this, Experian, XXXX, and XXXX has to answer me in Federal Court, I 'm good at what I DO! 

2. Now because XXXX XXXX XXXX would n't include my XXXX mortgage loan on my Experian credit report, XXXX I 'm still in charge, XXXX the new ( server ) is on the job, on the block, and do n't think for one minute CFPB I do n't see you role in not having them report my Mortgage, see you do dirt and ignorant XXXX legally happen, but I want CFPB to understand, I know why you did n't investigate, did n't fine, did n't prosecute Experian for not adding Mortgage to my account, but its Ok, I going to subpoena your General Counsel to prove suppression, compromise, injustice, and discriminatory allowable practice by CFPB in its role. 

Lastly, XXXX I know that you folks at the CFPB has notes by my account, to not assist, because of the Power I possess and knowledge concerning DODD/FRANK, FTC role to not assist XXXX Consumer against XXXX, but I going to pick this conversation up and run with it and tell my story and sue and be compensated for telling the TRUTH, WOW! There 's no body stopping me, but me. Now as for my credit report, I 'm well aware of accounts with balances, 28 accounts to be correct, well this rat XXXX at the XXXX XXXX XXXX XXXX, XXXX XXXX, a XXXX, did n't like the way I was able to talk boldly with this crook and he sabotaged my loan request to pay credit cards off, but guess, I still have over {$53000.00} worth equity in my house, I 'm still retired, and still receiving my retirement income, got it! I fight, legal fight all injustices against XXXX consumers, period, but I fight in the courtroom, I 'm 12 and 0 to-date, not an attorney, but I was trained well for 30 years plus in the business world and I consider myself pretty XXXX good following the Rule of Law against XXXX crook, and prejudice rat XXXX when they think you do n't see what they are imploring with XXXX games.

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 2017-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nevada Credico, Inc.
State: CA

Complaint narrative:
I 've been trying to correct this problem with XXXX for some time now. This account was in my bankruptcy, and is named under both XXXX XXXX as the original Creditor and you Quantum collections. I ca n't see why it ca n't be straightened out by them, so im sending you the evidence. If you ca n't help me, I am requesting proof of this account under the fair credit reporting act which I 'm intitled to. This incident occurred when I had my first XXXX and I got it on my Bankruptcy. Not to mention the account is past the statute of limitations to be an open 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 2017-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I am filing a complainant on Midland Funding, LLC. I have sent letters to Midland Funding, LLC on XX/XX/XXXX and to the local attorney office XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX requesting debt verification on more than one occasion. They are claiming I owe {$2200.00}. Upon until  this point, they have failed to provide the correct information or documentation with my signature on it. I 'm requesting since this company have failed to provide me with the information requested, that this account be deleted and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
they charged me overdraft fees and a XXXX extended over draft fee and now i cant use my debit card even though i have card protection i call them they did nothing to help. I was in Texas during XXXX XXXX they claimed to have no over draft fee for a curtain time frame but i was charged

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-17 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: NC

Complaint narrative:
Because of the Equifax hack, I attempted to contact Equifax to inquire about freezing my account. Multiple telephone calls ( at various times of the day ), left me on hold for over 20 minutes or more. On one call I waited over 40 minutes and no one answered my call. I emailed Equifax on XX/XX/XXXX to find out if my account was frozen or how to freeze it. I also inquired ( XX/XX/XXXX ), regarding an error code when I attempted to complete the process to get their credit monitoring started. 
At this point I do not know if the credit monitoring offered by Equifax is active. When I tried to freeze my credit report with XXXX and XXXX I learned I would have to pay a fee. I 'm on social security and do n't have funds to purchase this type of service and do n't agree with the fact that I have to pay for an Equifax issue. 
I guess at this point I 'm at the mercy of Equifax as to how to protect my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: KY

Complaint narrative:
On XXXX I had 3 fraudulent charges on my XXXX XXXX card from XXXX XXXX XXXX the transactions took place in California., I live in Kentucky XXXX I called the XXXX XXXX XXXX and told them these were fraud. I called California state police they said call the Kentucky police. I did they said call California. The transactions started about XXXX XXXX central time on XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> 
XXXX XXXX XXXX store XXXX {$810.00}, XXXX XXXX XXXX store XXXX {$340.00}, XXXX XXXX XXXX store XXXX {$87.00}. I called the stores they said the purchase was suspicious. I informed the stores they were fraud. My card and Pin have never been out of my possession. On XXXX I immediately called XXXX XXXX to inform of the charges, they canceled the card and gave me a new card and instructed me to destroy the old card and I did. I was not able to file a Reg E claim on this date. I could not get thru to level 2. Since this has happened I have called over 50 times to make a Reg E claim. The bank  is refusing to allow me to make a Reg E claim. They level one operator tells me each time I will have to speak with the level 2 operator. I told them not to transfer me to level 2 until they could get a human on the line from level 2. I told the level one operator I  need to file a Reg E claim and get provisional credit they say talk to level 2. I have called every day since XXXX I have a call log upon request. I did get thru to a level 2 person one day and she said her computer was down and I would have to call back. The bank is refusing to let me make a Reg E claim. I have not been given provisional credit for the fraud charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On Monday, XXXX XXXX XXXX, I tried to get a passcode from M & T Bank, to access information about my bank accounts, instead of having to provide the first 5 digits of my Social Security number. I did this on the advice of the local police department, which advised citizens to take this action in light of the XXXX hack. I spent hours on the phone and even visited a local branch of my bank. I was given wrong or contradictory information on the phone and in the bank and was kept waiting on the phone and in the bank for inordinate amounts of time. I never was able to register my concerns about bank security or get a passcode. 
On Wednesday, XXXX XXXX, I phoned my Congress member 's local office to ask for their help. They tried to contact the appropriate department of M & T Bank but were also given a run-around. I 'm very concerned that an identity thief could easily gain access to my account information via the bank 's automated customer service on the phone, and the bank appears to be completely unconcerned about this big hole in its security system. M & T Bank should stop using social security numbers as identifiers and provide any customer that asks for one with a passcode. It 's also frustrating that the bank systematically conceals contact information from its customers, making itself inaccessible and unaccountable. It 's impossible to find relevant phone numbers for its security office on its website or from phone customer-service personnel. Because of the XXXX hack, the bank should take action to correct these problems as soon as possible.

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 2017-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
We closed the house on XXXX XXXX 2017. Please find attached closing documents file. We were approved with 3.9 % conventional loan but up to the last moment and keep changing techniques by loan officer- final loan interest rate charge/set is 5.37 % which is out of range as per regulation Z at that time frame. They also charged bunch of fees unnecessarily.
I asked government agency to file a complain against this company and US bank ( Mortgage Services III, LLC NMLSR ID # XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ) and Usbank.com who accepted and servicing this loan.
Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate discrimination and fraud for mortgage.
Please have them set our mortgage terms to 3.9 % and conditions and pay them damage cost and refund. If we refinance it will cost us extra {$5000.00} more.
We look forward for your help in this regard. You can asks our credit report to this officer and they can provides details about this loan.
We called US bank and other refinance agency/bank and they were surprised when we say this is a conventional mortgage rate we have. They said there is no way they can do this because regulation Z is prohibiting them to doing thisXXXX 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 2017-09-17 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: MN

Complaint narrative:
I believe I was a victim of the Equifax hack and have had my personal information stolen sometime between XX/XX/XXXX and XX/XX/XXXX. I am closely monitoring my accounts for suspicious activity. I have placed a 90 day fraud alert on my files as of XX/XX/XXXX. Currently, I suspect a line of credit from XXXX XXXX for {$10000.00} to be opened under my name falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: Westlake Services, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I entered into a settlement with XXXX XXXX. They told me to pay {$2000.00} to settle the debt in full on XX/XX/XXXX. I did such. I was then told by XXXX XXXX that the debt would be removed from all credit bureaus. Instead I received an XXXX alert stating debt debt deem uncollectable bad debt. They have committed fraud by representing to me that we were settling the debt and it would be totally removed from my report. Make them remove it immediately. I money framed that settlement amount to them as agreed. Tell them to remove it or be sued for punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I write this on Sunday XX/XX/XXXX several days after the announcement of the XXXX data breech. I have tried without success for the past week to register either a credit report freeze or a 90 day fraud alert with Experian because of the XXXX data breech. During the entire week of XX/XX/XXXX - XX/XX/XXXX the Experian web site has locked out the ability of consumers to submit either a freeze or a fraud alert. Their page locks into a page " loading '' condition which never actual loads in the page for a consumer to submit a request. 

I understand the uniqueness of the XXXX breech and the enormous load it likely put on the credit agencies systems. But XXXX and XXXX have been up and running for days at this point while Experian remains inaccessible. 

I have been diligent over the years in protecting all of my data. The fact that one of the agencies has had a catastrophic failure and that one of their associates has " locked '' out consumers needs to be investigated.

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 2017-09-17 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
X/XX/2017 I tried to initiate a credit freeze with Experian following the XXXX data breach. Experian took all of my personal info online, including SSN and credit card info. Then I received a default error message that I would have to mail in my request : " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' The info I entered was correct. I did it twice. I had just used the same info for a security freeze with XXXX. 

I tried calling, and got a recording saying to call 'during regular business hours. ' There is a huge customer need to do a security freeze, and Experian is impeding this. Clearly, the online Security Freeze is not working. Others are reporting the same issue online. Is Experian really taking calls 'during regular business hours ' from a few 100K people? This is shameful. It leaves me vulnerable due to Experian 's intentional neglect and willful inaccesibility.

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