vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I attempted to obtain my free annual credit report through XXXX. I was told that there was insufficient information to obtain my score online, and that I had to mail in a paper form ( XXXX ). 

I mailed in that paper form, requesting reports from all three credit reporting companies, on XXXX/XXXX/16. I have since heard back from XXXX and XXXX, so I know the form was received, but have not received any response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone add me to his account as an authorized user when I do not want to be added.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I request credit reported on line on XXXX XXXX 2016, and ca n't print because computer it failed, please sent by e-mail to : XXXX XXXXXXXXXXXX. I need at soon posible to my lawyer. If ca n't please send by mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I pulled my Equifax report to review it. I submitted a dispute for XXXX creditors that are very old and over the limit to stay o my report. Equifax refuses to have them remove or they did not take the step to either review them. The answer I received was not what I indicated on the dispute. So this tells me that the company do not carefully read the disputes or plain do not understand what they are doing. 
Can you reach out to them to have this matter resolved to have the old creditors deleted from my file?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XX/XX/XXXX XXXX sent an invalid {$90.00} dollar debt to a collections agency named XXXX. This agency was reporting to XXXX. Since the debt was not mine I disputed it with XXXX. After the investigation the account was deleted. This was XXXX XXXX. 

Then in XXXX XXXX, XXXX decided to reinsert this invalid debt and send it to a new collections agency by the name of XXXX XXXX. Reported again to XXXX. I quickly disputed as soon as I noticed it and it was again promptly deleted. 

XX/XX/XXXX, XXXX XXXX reinserts this invalid debt and sends it to a collection agency named XXXX. This agency was reporting to XXXX as well as Equifax. I immediately disputed the account and again like every other time it was deleted by XXXX and Equifax. 

Now presently again for a FOURTH time XXXX has reinserted this invalid {$90.00} debt that I do not owe them. It is currently with a collections agency named XXXX XXXX, who is reporting to Equifax. I have not had a chance to check if they are reporting to XXXX. Of course I disputed with Equifax as soon as I saw the account pop up again. This time for some strange reason the account has been verified by Equifax and now I am at a complete loss for words and have no idea how to handle this. 

I am afraid that I might have somehow done something wrong this time that caused the debt to be verified by the credit bureau. This was the ONLY time out of all XXXX incidents that I picked up the phone and contacts XXXX as well as the collections Agency and told them everything exactly as typed above. I made those phone called the exact same day that I initiated the dispute with Equifax , because it was the agent at Equifax 's dispute department advice to do so. 

I greatly appreciate your help and efforts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
After being denied a credit card I applied online ( and called ) for my free credit report from equifax that I was supposed to be able to receive if applying within 60 days ( which I was ). This has happened to me in the past multiple times. I have NEVER been able to get my free report as promised by equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
No verifications of contracts or signature XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
On XXXX/XXXX/2015, I attempted to access my credit bureau with Equifax due to an identity theft issue. Specifically, I wanted to make sure they still have a credit freeze on my bureau, and if an account had been opened in my name, I would need to dispute it. While I was able to access my bureaus with XXXX and XXXX, Equifax stated I would need to send in a copy of my driver 's license and social security card, because the information verified did not match my file. I know what I entered was accurate, and I believe they just are not willing to provide it. I 've had this problem before with them. 
Thanks for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
my bankruptcy is still showing on my credit report. Bankruptcy XX/XX/2004 submission

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
SETERUS has charged me {$10.00} for their mistake. My payment is due the XXXX of every month. I sent in my XX/XX/XXXX payment with the monthly coupon to SETERUS that they received and allocated to principal only on XX/XX/XXXX when the payment of {$540.00} was supposed to be allocated to monthly payment of principal and interest as was indicated on the coupon. They called me about XX/XX/XXXX saying I was late with my payment! I told the representative that it was sent in and she found where the payment had been miss allocated to principal instead of the monthly payment. She vowed to correct the error but failed to tell me it was going to cost me {$10.00} for their mistake! This not the first time I have had difficulty with SETERUS. They even lost a {$2000.00} payment I made on the principal which was not corrected until I found the cancelled check and sent that to them. They have changed their payment coupon so that there is NO space to allocate additional funds for the principal only. I have made several additional principal payments plus the normal monthly payment that arrived at their office prior to the first of each month due date and they allocated the entire amount to principal and called me asking when I was going to make my monthly payment when in fact they had {$2000.00} additional principal plus the monthly payment of {$540.00} in their account from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Credit Adjustment, Inc
State: AZ

Complaint narrative:
turned into collection agency from XXXX/ for a debit I was handling with my insurance company. debit turned over to Credit Adjustment XXXX Inc. XXXX XXXX XXXX XXXX XXXX AZ XXXX acct XXXX XXXX XXXX, clt..acct # XXXX 
Arrangements were made and a monthly payments has been in a timely manner for months. Please remove this issue so I can regain my credit score. XXXX is the lady I spoke with at credit agency stating to contact you as a credit report was done yesterday with poor rating. Please call me as XXXX if any further questions or email me at XXXXXXXXXXXX matter needs to be resolved asap. 
thank youXXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
This company Speedy Cash. Sends repeated threatening email to my work email. This is how they are communicating to me. This company also has put this on my credit report and is negatively hurting my credit history. Emails are coming from random people with oulook accounts stating, they will contact my employer so they can take action against me. There are threatening to sue me and have different amounts to pay on each email. This is a fradualent company who terrorizes ppl. I have told them to STOP contacting me at my workplace which is a violation. I have the emails for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XX/XX/2015 {$22000.00} was wired from my personal bank account at XXXX to cover illegal charges. The identity theft continues till today. I have lock my personal information and credit thru the agencies. I have contacted all appropriate law enforcement but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Here 's mynissue : I want to pay Speedy Cash off in full. I suffered a series of distressing and documentable circumstances. Going in person to attempt to speak to an associate, I felt humiliated, discounted and embarrassed. I am also seriously concerned about predatory lending with beastly, unfair fees on top of fees and mountains of interest charge. 

I need your help, please : I am formally demanding a total payoff amount - minus those predatory fees and beastly interest. Also, had I been able to get help, clarity and assistance in person, I know that some of these fees would not be on this account. 

Please assist me toward demanding a full payoff amount offer, in writing minus those predatory fees and compounded interest on top of interest. I want this account to be totally resolved. Please also pass stricter legislation to govern and regulate these predatory organization and the way consumers are treated. Their documents are complicated for the average person and difficult to understand the true, devastating impact on a consumer 's account, budget and life. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TN

Complaint narrative:
Calling numerous times of the day and evening every single day only to hear a recording when the xall is answered. This is unbearable and needs to stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: AL

Complaint narrative:
Weltman Weinberg and Reise Company LPA called me claiming to be representing the XXXX XXXX XXXX. I asked if I could make payments and they informed that I was in default and the entire debt was due. After this conversation I began doubting their authority to collect on said debt. When they called again, within 30 days of intial contact, I asked for the verification of the debt. They told me they were still going to be reporting me to the credit bureaus as my last payment was in XXXX. This was a lie as I was holding a statement from the company they were supposedly representing and the statement said the last payment was received on XXXX/XXXX/15. Not only did Weltman Weinberg and Reise Company LPA lie to me about this, according to my contract I am in default if I do not make a payment within 270 days. During these calls where they were trying to force me into paying the entire debt, I was not even in default of my loan yet. However when I asked to make payments they refused. In summation : they lied about how much was due, they refuse to stop collection activities though I requested verification of the debt and their authority to collect it, and they refused to take payments even though i was still within my time frame to make payments instead of paying the entire sum. I was attending the University XXXX in XXXX when I took out this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
Your company failed to provide a complete response dated XX/XX/2016, to an inquiry that I submitted to your company on XX/XX/2016, regarding owner, seriver, Master servicer, and their addresses. Your company failed to state whom Master servicer is, along with address. You company also failed to provide address of stated servier. 

Please provide a complete response. 

Additionally I am now also requesting, site address, along with mailing address, of servicer, Master sevicer. Please provide a detailed history, of all servicer ( s ), and Master servicer ( s ), whom have serviced my account, along with dates, of service ( s ). 

Attached to this inquiry, is the inquiry from XX/XX/2016, along with response dated XX/XX/2016, in .pdf format. 

Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I applied for a Zales credit card, financed through XXXX, which gave me 0 % interest for 18 months, then 28.99 % there after. I set up automatic payments to pay off the balance before the end of the promotional offer. Comenity Bank then bought out my line of credit with XXXX without my knowledge, and the automatic payments stopped, making that payment late. Since I was inadvertently pushed past the promotional period, Comenity Bank is trying to charge an even higher interest rate not to the current balance of {$790.00}, but they 're trying to charge the interest rate to the balance that was over 20 months ago, which was almost {$5000.00}. The interest rate that they 're trying to charge is almost double that of the actual balance, {$1300.00}. I contacted Comenity Bank and offered to pay off they entire balance if they corrected the interest rate and charge it to the correct balance ; they declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Tried to modify home loan with Caliber Home Loans again, and again they keep losing the paperwork and or say they will send paperwork to fill out, but it never comes. 
We are now a few months behind, but have the funds to catch up on the loan, but Caliber Home Loans refuses to provide us with a statement of current balance. In fact, Caliber Home Loans has not mailed us a statement in over 6 months! How can we pay when our payment amount to catch up is unknown?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit
State: NY

Complaint narrative:
the leasing company sent the billing to wrong addresses twice. They Apologize over the phone and promise you everything will be fixed corrected and rectified meanwhile due to emails and certified mail. 
Audi Financial Services XXXX. XXXX XXXX XXXX, OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alorica Inc.
State: GA

Complaint narrative:
Pleae refer to complaint number XXXX. To date, I have not received follow-up or other additional information from the company ( e.g. itemized bill ). Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-28 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I borrowed {$500.00} initially as a cash advance. The loan documents provided at the time stated that I was to make XXXX payments of roughly {$120.00}. After all XXXX payments were made, I received a phone voicemail from customer service explaining that my account was currently in default and that I was overdue on a payment. I logged into my account online so that I could view my account 's status and noticed that it listed my account as in default. I immediately attempted to access the loan contract which I electronically signed through the website, but noticed that the documents were no longer available. I have previously accessed this loan agreement before. 

After seeing this default status, I made sure to check my bank account statement to verify that my final payment went through ; the charges were listed correctly on my bank statement. 

I immediately called customer service, and was immediately prompted by the representative on the phone that they were looking to acquire a payment for the defaulted account. I had explained my situation and then was put on hold for upwards of XXXX minutes. The representative returned to the line and told me that after physically looking at my account, all XXXX agreed payments had been made. She instructed me to call in XXXX days and that an accountant would have an answer for the system error on my account. 


I have n't been charged any excess monies, but my concern is that had I not known or not received a phone call, my credit would tank. I hate that I had to take this loan out in the first place, and can now feel for victims of these cash advance loans. They 're flooded with sketchy activity and high interest rates to dig their clients into a financial hole.

Company response to consumer: Closed
Consumer complaint received 2017-02-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
There was an application submitted on XXXX XXXX, 2016 for XXXX XXXX Visa through Comenity Capitol bank. It resulted in an online approval. However, I called and was told that it was only a soft pull. Subsequently the account was closed before the card was ever sent out. This additional account totally XXXX up my XXXX and also showed as a hard pull from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH

Complaint narrative:
1. The buyer of my properties sent me an e-mail in XXXX 2015, stating that escrow wo n't wire me the money overseas. XXXX in XXXX, CA. I contacted their head office and never got a response. Tried a dozen times, calls and e-mails. 

Then I called www.unionbank.com and was told that there was " no limit to send money to a registered transfer payee ''. FALSE. {$5000.00} is the limit. 

For weeks, my money has been stuck. 

I complained to the bank, sharing that I 'm under threat of a margin call. 

Lost & gt ; {$30000.00} and was forced to close the account ... Still, no payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Federal Cash Advance, LLC of Oklahoma
State: TX

Complaint narrative:
I TOLD THE LENDER I COULD NOT PAY UNTIL A CERTAIN DATE AND TOLD THEM TO PLEASE STOP CONTACTING MY FRIENDS AND MY EMPLOYER. THEY THEN TOLD ME THEY COULD CALL AND HARRASS ME UNTIL I PAID. I INFORMED THEM THAT I COULD GET FIRED FOR THEIR ATTEMPTS TO CONTACT ME AND I INFORMED THEM TO CEASE AND DESIST AND THEY HAVE YET TO QUIT CALLING. I AM SCARED OF LOSING MY JOB. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
I filed a complaint, CFPB XXXX, against Caliber, # XXXX, months ago, received a " satisfactory '' response ( $ XXXX ) from VP Assistant XXXX XXXX on XXXX XXXX. 
I changed insurance companies from XXXX XXXX $ XXXX ) canceled on XXXX XXXX, 2015, engaged XXXX on that same date and was quoted {$2000.00} on XXXX XXXX. They sent Caliber a proof of insurance letter in XXXX XXXX {$2000.00} ) but later they raised the premium ( {$2400.00} ) and I canceled on XX/XX/XXXX, I started XXXX homeowners on in XXXX XXXX ( {$1700.00} ). 
I have sent Caliber {$4900.00} to clear insurance refunds along with my monthly payment XXXX {$850.00} XXXX every month, they misapplied the escrow funds, chaos ensured. 
I have just received a mortgage statement XX/XX/XXXX from Caliber charging me a {$1200.00} monthly payment due XX/XX/XXXX and I had a past due of $ XXXX outstanding principle has increased from {$110000.00} in XXXX to {$120000.00} today. 
I paid Caliber the refunds due them and lowered my cost of insurance from {$3000.00} XXXX XXXX to XXXX XXXX to {$1700.00} and my payments increased. 
My calculations show me paid up-to-date and my escrow at a surplus of about {$600.00}. I have asked for and received no information from them. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has tried to collect on a Home Equity Line in 2013. After we inquired about the " Justice Department Settlement '' they sold the loan to XXXX who is now trying again to collect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation