vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently informed by my mortgage XXXX that she was not able to pull my credit score and credit report from Equifax. I contacted Equifax on XXXX XXXX and the customer representative told me that they were not able to locate my credit profile and my name, and social security number. Further, the customer rep told me to fax my id and SSN over by fax to XXXX. A transmission report indicating that my fax was successfully sent over to the abovementioned fax. When I called Equifax after their XXXX hour processing timeframe, the customer rep told me that they did not receive my fax. I ask if there is a way for me to securely sent over my information, so that this time for sure their company have received information. Yet the customer rep told me that I have to fax to the abovementioned fax number or mail. XXXX is not listed as a fax on Equifax 's information center or webpage. I suspect that this could potentially leak my confidential information out. 

For whatever reason, when I ask to talk to the customer rep 's XXXX, the customer rep transferred me to their Consumer Affair department ( CA ). The CA, then, confirmed with me that they indeed received my ID and my ss card. But for whatever reason, Equifax does not have my credit profile in their system, and the CA will start an investigation on my file. CA asks that I call this number, XXXX, to get an update. 

Fast forward, after two weeks, I tried to call their CA department and their general line, none of them seems to be answering any of my calls. 

The problem of not having my credit profile from Equifax has caused me many problems. I was denied of a mortgage because Equifax was unable to furnish my credit report and credit score. I am not able to get a mortgage from any lenders because Equifax was unable to provide the lenders with my credit information. 

On the other hand, XXXX XXXX XXXX XXXX and XXXX do not have this problem, XXXX and XXXX reports my credit information, history, and other credit accounts accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
Collection Agency threatening legal action for a credit card debt that I do not owe. Credit Reporting Agencies do not have the credit card number on my credit report. The implied credit card number does not exit and never had the card, the amount being asked for me to pay is {$3500.00} which includes implied balance, interest and penalties. I am a law abiding person and want this to be straightened out. 

I have been getting calls from a person, who claims to be working for a debt collector firm. I explained to him that there is some mistake about this claim, as I never had this Credit Card and proof is that it is not showing up on my Consumer Credit Report either. On the phone the person obtained my address from me and started sending me collection letters with collection notices, stating that there is a judgement against me in regard to the referenced 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 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2017 I received a prescreened offer from XXXX XXXX. I called XXXX to opt-out just as it indicated at the bottom of the page. I also went to XXXX on XX/XX/2017 and filled out the form for the 5 Year Opt-Out. I received another XXXX XXXX mailing on XX/XX/2017 to which I immediately called XXXX for an opt-out again. Today, XX/XX/2017, I received another XXXX XXXX mailing. I thought something was not right so I pulled my Experian credit report to find that there is no mention of an opt-out. I used to see that I had an opt-out on the file. After three motions for an opt-out it should be reflected somewhere. Today I mailed the opt-out form to make it permanent, not just for five years. There should be some way to check and see if that is on the file.

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 2017-09-18 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: CORELOGIC INC
State: GA

Complaint narrative:
I have reached out to Credco several times about an unauthorized inquiry that they reported on XXXX XXXX 2015 that i have no knowledge of. I have never had a contract thru thus company. They are reporting an inaccurate inquiry on my credit report. I have been told sevetal times by representatives im not in their system but yet they continue to leave this inquiry on 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 2017-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Now back to thinking of what BBVA Compass bank has done. They expect me to pay them at total of {$3300.00} dollars. Compass bank had canceled the auto GAP policy along with the Extended warranty without my prior knowledge. So that would be around {$2500.00} dollars that they had gotten back also I was never returned my prescription medicine that was around {$1700.00} dollars along with a spare pair of eyeglasses that were around {$600.00} dollars. Also with {$2000.00} dollars in improvements and maintenance not including my {$4000.00} dollar down payment have you. That would be a total of {$6800.00} dollars then minus {$3300.00}. Being a total of {$3400.00} that Compass bank owes me. They may have made a clerical error within all of this. I hope they review all of this info for their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: FL

Complaint narrative:
All three major credit bureaus have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the consumer financial protection bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of 10 million dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the consumer financial protection bureau for protecting her/his Personal, Family, and Household.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I received a prescreened offer from XXXX XXXX. I called XXXX to opt-out just as it indicated at the bottom of the page. I also went to XXXX on XX/XX/XXXX and filled out the form for the 5 Year Opt-Out. I received another XXXX XXXX mailing on XX/XX/XXXX to which I immediately called XXXX for an opt-out again. Today, XX/XX/XXXX, I received another XXXX XXXX mailing. I thought something was not right so I pulled my XXXX credit report to find that there is no mention of an opt-out. I used to see that I had an opt-out on the file. After three motions for an opt-out it should be reflected somewhere. Today I mailed the opt-out form to make it permanent, not just for five years. There should be some way to check and see if that is on the file.

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 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX I received a prescreened offer from XXXX XXXX. I called XXXX to opt-out just as it indicated at the bottom of the page. I also went to XXXX on XXXX/XXXX/XXXX and filled out the form for the 5 Year Opt-Out. I received another XXXX XXXX mailing on XXXX/XXXX/XXXX to which I immediately called XXXX for an opt-out again. Today, XXXX/XXXX/XXXX, I received another XXXX XXXX mailing. I thought something was not right so I pulled my XXXX credit report to find that there is no mention of an opt-out. I used to see that I had an opt-out on the file. After three motions for an opt-out it should be reflected somewhere. Today I mailed the opt-out form to make it permanent, not just for five years. There should be some way to check and see if that is on the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My info " may '' have been impacted by the Equifax breach. I 've done all I can on my part, freezing my credit with all 4 agencies, cancelling credit cards I do n't use, requesting new accounts for ones I do, changed my bank debit card, requested credit reports from the top 3 agencies, called my XXXX funds. Today, I went to sign up for the free one year identity monitoring through Equifax. Upon reading their terms, Equifax still wants to put my info out to third parties and I see no where to opt out except for preapproved deals.. This from a company that was having data stolen from mid-XXXX until XXXX XXXX when America was informed, but not before three top execs sold their stock. 

I am completely frustrated with this company, I called them today to complain but that 's all I could do. 

# 1 : Since my info is now out there forever the credit monitoring should be free for life. 
# 2 : I should be able to OPT out of their third party schemes. They already compromised my info and think it 's ok to sell my info again. 
Ridiculous. 
I did not sign up for their identity monitoring based on those 2 facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Since XX/XX/XXXX, I have had four fraudulent attempts to open a Chase/XXXX XXXX Credit Card in my name. They use all the correct information except for my correct current mailing address. They keep using my parents home address. But as of XX/XX/XXXX, the fraudulent have been able to open a credit card in my name and went through this time ( not denied ). I called on Saturday, XX/XX/XXXX as soon as I found out when I received an email regarding a change in my credit report. I notified XXXX and they closed the account. They have known about these issues but yet it keeps happening every month. I have filed police reports as well as FTC Identity Theft Report with them and this still seems to keep occurring. I also have XXXX on my accounts, and fraud protection through the credit bureaus but nothing is stopping this. I am beyond frustrated and since I already have this card, I do not understand how this was able to go through and this person be able to open this card on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I made an additional payment manually after the auto payment posted. Unfortunately, the extra payment was returned NSF by my bank. My credit account is in very good standing and has never been delinquent. 
I inquired with the XXXX XXXX XXXX and was informed that if a second NSF occurred in the future, my account will be automatically closed. It follows that only one returned payment due to NSF is allowed by the policy of the bank, regardless of if the NSF results in a missed on time payment or not. 

I believe it is very unfair and unnecessarily adversarial to count a voluntary additional payment returned NSF, to count as the single allowed NSF before the account is closed if a second NSF occurs. 
Now, I worry that should a second NSF occur for whatever reason, the axe will fall and my account in good standing will be closed even thought the payment that was returned NSF was an additional payment that did not result in a failed on time payment, or late payment.

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 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have continued to call Transunion every day 2 and 3 times a day about whats going on and have even spoken to supervisors that has no clue about what to do. Most of the people i have spoken to are based in a foreign countty and there is a language barrier. I spoke to a XXXX rep today after holding for hours that stated that my account with XXXX XXXX XXXX XXXX was not supposed to be removed from my transunion credit report and didnt know why it happened. He then said a code was next to the account that he had never seen before so he attempted to transfer me to a special department and it hung up. I proceeded to call back with no luck. People are tell me that they cant replace the positive account, which was my longest line of credit, back on my report. Im devastated! Why did this happen. I never ask them to remove this account. With everything thats voing on with the equifax breach i am worried. Where is my account. They also are saying they cant put it back which is not true because they are still able to pull up the account. I need my account back on 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 non-monetary relief
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received a call today from a collection agency on behalf of Old Navy. I have never shopped at Old Navy, nor would I. I certainly did not apply for an Old Navy credit card. This is the result of some form of fraud, and if this is reporting against my credit, I will insist that all such reporting be removed as this is unfair. My name is XXXX XXXX, phone # ( XXXX ) XXXX. I have never gotten any information on this debt previously from Old Navy, just the collection agency. Apparently this debt came from 2013.

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 2017-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
I recently transferred my federal direct student loans to fed loans from XXXX XXXX. I submitted the paper work in mid XXXX XXXX and it was received by Fed loans prior to the end of XXXX. It is currently mid-late XXXX XXXX and Fed Loans is STILL unable to tell me how many successful payments I have made towards PSLF. When I asked them how long until they would be able to calculate the amount of payments I have made towards loan forgiveness ( presumably a process of SIMPLE COUNTING TO TWENTY-SOMETHING ), they informed me today that it will take another 3 months. 

I need this information in order to maybe irreversible and significant decisions very soon. It is absurd that it has taken them 2 months already and may take an additional 3 months to take a basic tally of my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I requested forbearance due to losing my job, a few times, and rather than stop payments, like other companies did, they continued to add on the balance of the payment, not simply interest. They also made me pay {$50.00} on 3 occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is in violation of CA Real Estate Laws, acting in bad faith and in violation of CAHBOR laws and anti dual tracking laws. Wells Fargo must be investigated immediately as this is a very serious violation of ethical guidelines that lenders and servicers must adhere to. At issue specifically is borrower 's request to do a short sale which Wells Fargo has had for months now. As you will see from the attached docs Wells Fargo countered this particular buyer to a certain purchase price. Once Wells Fargo made a counter Wells Fargo was in a legal contract negotiation per CA law. Per their guidelines Wells Fargo demanded a certain amount of monies for the purchase price of the property at which time the buyer accepted. Once the buyer accepted per CA law Wells Fargo was in a legally binding contract to sell the property to this buyer. Instead of immediately issuing their approval letter Wells Fargo illegally set a foreclosure sale date which is against anti dual tracking laws when a file is under foreclosure prevention and then they further acted maliciously and with malcontent when they sat on the short sale request so as to approach a foreclosure sale date. After many, many escalations Wells Fargo finally came back and said the offer was denied and removed from short sale. This illegal activity is to be hereby CEASE and DESISTED IMMEDIATELY. Wells Fargo is IMMEDIATELY REMOVE their foreclosure sale date due to their gross negligence and willful disregard of CA law. Wells Fargo must immediately fully disclose any all issues they have with the current offer and that may not include the offer amount and parties to the offer as this information was already made aware to Wells Fargo prior to the counter Wells Fargo issued.

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 2017-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc.
State: ME

Complaint narrative:
Atlantic credit has called many times late at night and today ( XX/XX/XXXX) called my work a little after XXXX, which I believe is not allowed by law and also could get me in trouble and/or fired. When they call my cell phone they do n't leave any voicemail. They just keep calling. I wo n't answer 800 numbers because of all the scams out there. Then today I get a call at work and a letter at home stating they are going to send an attorney after 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 non-monetary relief
Consumer complaint received 2017-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX XXXX 's store credit card. I am having an issue with late fees. I called numerous times to try and get them to send me a bill. They assured me it would be coming in the mail. When it did eventually come they charged me a late fee. I call customer service and they said they would remove the charge from my account. They never removed the charge and assured me they would. At one point the late fee was the only outstanding charge in the account, I did n't pay it so they charged me another late fee on top of the first late fee. They have records of all the phone communication and wo n't reverse the second late fee despite it being due to the first late fee they said they would reverse. The long of the short of this situation is the company did n't send a bill and charged late fees when they should n't have. They also did n't honor their commitment to reverse the first late fee, which triggered the second late fee. Now they still want the late fee money.

Company response to consumer: Closed with explanation