vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a response e-mail to XXXX ( Teller ID XXXX ) from XXXX XXXX XXXX. ( see attached documents for the e-mail and the documents attached to the e-mail. ) In this e-mail I advised XXXX that I was in receipt of her letter dated XX/XX/XXXX regarding the available options to me for mortgage relief. 

I informed XXXX that I wanted XXXX XXXX XXXX   to be aware that my mortgage which is under the trust XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) was part of a settlement agreement with the Department of Justice. With this said, said settlement agreement stated that XXXX XXXX XXXX must provide relief to consumers. Some of that relief would be in the form of principal reduction and loan modification that would result in numerous homeowners no longer being underwater on their mortgages and finally having substantial equity in their homes. 

While I was in negotiations with XXXX XXXX XXXX they only thing they offered me was to modify my loan with a lower interest rate and putting all past dues amount, fees, etc. and the principal amount to the end of the loan as a balloon payment. Also, the terms of my loan where not extended they remained with the same end date as the original loan. 

XXXX XXXX XXXX/Wells Fargo / XXXX XXXX XXXX   have not complied with the Department of Justices Settlement Agreement of XX/XX/XXXX nor have they complied with responding to my first letter to them regarding the consumer relief that is owed to me under the said settlement agreement. They have violated their agreement with the Department of Justice and have failed to provide me with all the allowed relief for my mortgage loan. 

I request that they provide me with answers and with the consumer relief that is due to me under their agreement with the Department of Justice Settlement Agreement of XX/XX/XXXX. The relief is not only a lower interest rate, a loan modification but also principal reduction, forbearance or forgiveness of first lien. Please see in the attached document Page # 5 Consumer Relief for further information on the consumer relief that is to be provided to homeowners. 

Also be aware that XXXX XXXX XXXX as the Servicer has to this date never provided me an answer to my original letter to them regarding this issue.

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 2019-10-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On : XX/XX/2019 a call was made to experian regarding my credit freeze to my credit report and I spoke with XXXX of experian in XXXX XXXX who told me that I had just frozen my credit with Experian corporation , I told him that I did not and he said when you called in you just did that. I only called the number for experian and followed the prompts to reach a representative to discuss the circumstances which EXPERIAN REFUSES TO REVERT BACK TO a free credit report, available to all companies/entities requesting my credit level which is about XXXX to XXXX and that has been my credit for over sixty years with out a freeze being in place on any agency for credit reporting. AGAIN, today I call experian through their corporate operator and reached a manager of experian named : XXXX, he told me that in my call AGAIN, THAT I had frozen my credit again today XX/XX/2019. I said again " I did not " he said yes you did, I tried to understand by how calling them to speak to someone regarding a freeze, could someone put a freeze on there account? all I got was, " well that's what you just did ''. I have tried to understand how this all could have been done? But I am upset because to purchase ANYTHING, I CAN NOT because my credit has been frozen ... 
I do not EVER WANT MY CREDIT FROZEN AGAIN PERIOD. I respectfully request that they honor my request for them to PERMANENTLY REMOVE ANY AND ALL FREEZES TO MY CREDIT IN THEIR COMPANY AND TO CEASE AND DESIST THESE PRACTICES ... I want to thank you now for your assistance in this matter and I look forward to it being completely resolved.

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 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for a loan today XX/XX/19 and I was not approved because there are inquiries and an account with negative history appearing on my credit report. None of those items belong to me. I do not have any type of contract or agreement with any of those companies nor have I ever had an account open with them. I don't know who opened this account and made these inquiries using my information but I have never given anyone permission to do so. I did not benefit anything from these inquiries and account such as money, goods, services or any other benefit and I never participated in any purchases or payments in regards to those items. I have already filed a police report regarding this suspicious activity on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had been receiving phone calls from someone claiming to be with Wachovia, whom I used to bank with several years ago. I currently have an account with Wells Fargo. The person goes by the name XXXX, and he claims that there was a " soft close '' on my account and I still owe {$300.00} plus interest ( {$700.00} ). They had my last 4 digits of my social security number and had contacted my parents about the Civil Suit. The number I have is XXXX and the case number he gave me is XXXX. Is this a legitimate civil suit?

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 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a response e-mail to XXXX ( Teller ID XXXX ) from XXXX XXXX XXXX. ( see attached documents for the e-mail and the documents attached to the e-mail. ) In this e-mail I advised XXXX that I was in receipt of her letter dated XX/XX/XXXX regarding the available options to me for mortgage relief. 

I informed XXXX that I wanted XXXX XXXX XXXX   to be aware that my mortgage which is under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) was part of a settlement agreement with the Department of Justice. With this said, said settlement agreement stated that Bank of America must provide relief to consumers. Some of that relief would be in the form of principal reduction and loan modification that would result in numerous homeowners no longer being underwater on their mortgages and finally having substantial equity in their homes. 

While I was in negotiations with XXXX XXXX XXXX they only thing they offered me was to modify my loan with a lower interest rate and putting all past dues amount, fees, etc. and the principal amount to the end of the loan as a balloon payment. Also, the terms of my loan where not extended they remained with the same end date as the original loan. 

Bank of America/XXXX XXXX / XXXX XXXX XXXX   have not complied with the Department of Justices Settlement Agreement of XX/XX/XXXX nor have they complied with responding to my first letter to them regarding the consumer relief that is owed to me under the said settlement agreement. They have violated their agreement with the Department of Justice and have failed to provide me with all the allowed relief for my mortgage loan. 

I request that they provide me with answers and with the consumer relief that is due to me under their agreement with the Department of Justice Settlement Agreement of XX/XX/XXXX. The relief is not only a lower interest rate, a loan modification but also principal reduction, forbearance or forgiveness of first lien. Please see in the attached document Page # 5 Consumer Relief for further information on the consumer relief that is to be provided to homeowners. 

Also be aware that XXXX XXXX XXXX as the Servicer has to this date never provided me an answer to my original letter to them regarding this issue.

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 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for a loan today XX/XX/19 and I was not approved because there are inquiries and an account with negative history appearing on my credit report. None of those items belong to me. I do not have any type of contract or agreement with any of those companies nor have I ever had an account open with them. I don't know who opened this account and made these inquiries using my information but I have never given anyone permission to do so. I did not benefit anything from these inquiries and account such as money, goods, services or any other benefit and I never participated in any purchases or payments in regards to those items. I have already filed a police report regarding this suspicious activity on my credit.

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 2019-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I obtained finally from XXXX XXXX XXXX claims XXXX Illinois after years of fraud activity and requesting my personal owned solely XXXX XXXX policy in my names insurance policy of 35 years. I am submitting the research of many years of identity theft to bank of America na to assist me in identifying a locating my identity thief of over XXXX  to XXXX   XXXX dollars of my solely owned life savings settlement monies and other funds acquired thru my XXXX  years of life in the USA. At this point there are 3 bank of America bank endorsements in 3 copies of cancelled checks issued to me in my solely owned names or escrow accounts at law firms. Bank Of America they are as follows # 1 check Issued {$2000.00} check Insured XXXX XXXX issued to XXXX XXXX XXXX Bank of America, Na BAL XXXX XXXX XXXX XXXX XX/XX/XXXX With 2 overlapping entries of XXXX XXXX See attached screenshot to correct numbers if needed. 
# 2 check Insured XXXX XXXX Issued to XXXX XXXX and XXXX XXXX For {$100.00} BANK OF AMERICA NA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX # 3 check insured XXXX XXXX issued to XXXX XXXX and XXXX XXXX For {$90.00} BANK OF AMERICA CAR XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX THEY ARE ATTACHED to my cfpb continued search to recover from identity theft registered with the FTC and finally confirmed by the OCC this year of XX/XX/XXXX via their XX/XX/XXXX letter after reporting fraud and identity theft ( since XX/XX/XXXX XX/XX/XXXX well documented with all major credit reporting agencies. ) Regarding over 22 fraud requests for credit in my names thru XXXX XXXX XXXX XXXX XXXX NEVADA from XX/XX/XXXX thru XX/XX/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 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Tuesday XX/XX/XXXX. 

I attempted to use the Citi website in order to process a payment towards a credit card but was unable to do so. There was an error on the site for one card but not for another. 

Unfortunately this has become a pattern with Citi where there are frequent and lengthy issues with applying payments to cards, making it difficult to process payments in a timely manner, which has made it painfully difficult to keep current on payments. 

Almost every month when I attempt to make a payment it will take 2-3 tries over the course of as many days to accomplish this goal.

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 2019-10-15 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: Colony Brands, Inc.
State: CT

Complaint narrative:
Accounts were open under my name which I was not aware of until recently i have file directly toward a company for fraudulent accounts and has not neem resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
I have been disputing with a collection agency by the name of Eastern Account System that has reported a bill to the credit reports that is inaccurate. The company was contacted numerous times in writing and by telephone. I have certified letters that were sent to the company dating XX/XX/2019, XXXX  2019, and my third letter will go out tomorrow as that will be another 30 days the company has refused to reply. 

In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Eastern Account System. 

Also, I had informed them that any negative marks found on my credit report XXXX from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if Eastern Account System can not validate the debt, they must request that all crediting reporting agencies delete the entry. 

Again, they have not sent any evidence nor have they responded to any of my letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I contacted SLS, the 2nd mortgage on my home & told them I was affected by the National Disaster of XX/XX/XXXX & XX/XX/XXXX, CA wildfires. I requested assistance, but received no reply. I then applied for assistance in XX/XX/XXXX/XX/XX/XXXX. My request was denied on XX/XX/XXXX, see attached letter, bc a payment w in the guidelines could not be calculated, HOWEVER, XXXX, the account rep for my loan told me on XX/XX/19, that no package was received & that my financials were not used in the review. This is upsetting bc how could it be properly reviewed. I resent the package along w the appeal of the denial on XX/XX/19- the deadline was XX/XX/19. I was waiting for the outcome & at the same time received a sale date for XX/XX/19. I resubmitted the attached package on XX/XX/19 & on XX/XX/19.

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 2019-10-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have disputed a reporting issue with a debt collector XXXX XXXX XXXX. They bought a debt from XXXX that they are reporting as a real estate mortgage secured loan. The loan reporting was a personal loan. Our house was foreclosed in XX/XX/XXXX they bought the debt in XX/XX/XXXX and havent updated the file on Experian since XX/XX/XXXX. The Lien on the house was released in XX/XX/XXXX and they bought an unsecured debt in XX/XX/XXXX. They are  reporting late payments for almost 3 years and have never contacted us and the required 5 day period after they bought the unsecured debt they did not notify us. I hired an attorney and I will attach the letter sent to XXXX XXXX XXXX. I have also notified Experian several times to no avail. They will only let XXXX XXXX XXXX change the reporting. I have never entered or had an ( XX/XX/XXXX as they did not do as they said they would and erase the erroneous info ) agreement with XXXX XXXX XXXX and have asked them to remove this erroneous account to deaf ears. They claim it is a mortgage and an installment loan and it is clearly not. I have sent the documentation including all deeds and XXXX XXXX County deed and sale records. XXXX XXXX XXXX is not listed. They are reporting this as a payment loan when it is simply a collection that they are illegally reporting as a mortgage. 
I am asking to have this account removed and placed as a collection. I entered a temporary payment agreement with them and promised by XXXX XXXX that they would erase the erroneous reporting and nothing was done. They actually updated the account to current and made our situation worse. Please delete this illegal account Ty

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 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/2019 Hello CFPB Agency and Good Day. 

Bank of America retired their online " ShopSafe '' " virtual credit card number '' service on XX/XX/2019. 

My credit information was confirmed by XXXX to have been leaked in the XXXX  data breach. 

I use the Bank of America " ShopSafe '' " virtual credit card number '' service to ADD A LAYER OF SECURITY when using my credit card online by choosing to expose ONLY a user-specified amount of my full credit limit combined with limiting those funds to be available for ONLY a user-specified period of time. 

Removing a consumer 's ability to voluntarily ADD A LAYER OF SECURITY when using their credit card online seems to run against common sense when we are already acutely aware of the growing number and magnitude of data breach and identity fraud events. 

In some ways, providing consumers with the ability to ADD A LAYER OF SECURITY when using their credit cards online kind of resembles " two-factor authentication via email ''. It's SIMPLE. 

" ShopSafe '' is not an elaborate system, but enables online credit card users to add a measure of credit card restrictions and limitations by shielding the credit card number, by limiting the transaction dollar amount and by limiting the time period that dollar amount is valid. 

I can find no equivalent program for using my credit card online that provides these same customer voluntarily-selected credit card restrictions and limitations features. 

I hope that within the CFPB agency there are those who are aware of how to provide the consumer with voluntary methods to ADD A LAYER OF SECURITY when using credit cards online as well as HOW TO PRESERVE the customer 's ability to do this. 

The seemingly arbitrary termination of this credit card security enhancement program ( in use for over 20 years by Bank of America ) does not seem justifiable, especially from the very bank that offers the ShopSafe program ( BofA ) on  the credit card that they ( BofA ) issue. 

This takes on increased urgency especially with awareness of increasing number of data breaches and Identity fraud. 

Please tell me if you are aware of methods, programs or services I may use to ADD A LAYER OF SECURITY when using my credit card online. 

Thank You for your consideration and for your help. 

Respectfully Yours.

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 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation