vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-19 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: DC

Complaint narrative:
Issue : I can not get security freeze lifted on my credit report from Equifax. I placed the freeze on my report as a result of the massive security breach Equifax had that compromised the personal information of millions of people. 

On XX/XX/XXXX started a refinance application with my mortgage lender. I had no problem lifting the security freezes from XXXX or XXXX XXXX. As of this writing onXX/XX/XXXX the freeze has yet to be lifted by Equifax. 

At first I was given their facsimile number so I could send copies of my SS card and driver 's license that would allow them to verify my identity. After several attempts by me on XX/XX/XXXX without any success because their fax line was constantly busy, I eventually express mailed the documents via USPS. I called them on the evening of Saturday XX/XX/XXXX, was told the security freeze would be lifted that evening, and I was given a confirmation number by the Equifax representative. On Monday XX/XX/XXXX I received an email from Equifax with the case number I'd been assigned stating that my case had been closed. 

On Monday XX/XX/XXXX I advised my lender about the information I was given by Equifax on the XXXX and they attempted to get the credit report without any success. The supervisor at my lender made several phone callls as did I, and when I called again on XX/XX/XXXX I was told by an Equifax supervisor that they were not in receipt of the documents I sent, nor were they aware of any email from Equifax that my case had been closed out, and I would have to wait up to five business days to have the freeze lifted. 

All I can say is I've never dealt with a more obtuse and ineffective group of people. All you get is the run around, empty apologies and zero results. It seems they're trying to act professionally by giving one the impression that they're guarding your information when quite frankly it's too late given the security breach. 

The bottom line is there is ZERO accountability within this organization nor do they have any sense of urgency about doing their job correctly and it's having a very negative effect on consumers like myself who are attempting to get the information they need to complete their applications for refiancing or any other credit application. 

I'm not sure what type of government oversight they are receiving but they are in dire need of it because in my opinion they are doing a double disservice to the public by 1 - the initial security breach and 2 - their inability/unwillingness to lift security freezes for consumers seeking them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: PA

Complaint narrative:
They call and call and call and never say anything then hang up. They been doing this for over a year. About a year and 1/2 ago we managed to talk to some rude person that said we ow money. They would not tell us for what. We told them they had the wrong people and had no idea what they were talking about. We asked them to send us the information on what makes them think it is us and they refused. 
I would like to know where their office is and who is in charge and why they keep calling. I would love to meet them in person.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: VA

Complaint narrative:
XX/XX/2017 XXXX - I called and talked to the Collection Agency - Hunter-Warfield in XXXX, Florida. This is a wrong amount that they are trying to collect and has put on our Credit Reports for Me ; My Son and Daughter were on the lease for XXXX XXXX in XXXX, Florida. The Management Company they  are under is called XXXX XXXX. 

When we moved out ; we had a bed bug infestation in the carpet and flea infestation. They did not listen to any of the complaints of the infestation ; and instead charged us extra for a carpet stain ; which the carpet already had small stains when we moved in. 

Our next door neighbor moved out and they pulled up the carpet in her apartment and I believe the bed bugs and flees in her apartment came through the walls to our apartment. 
These apartment buildings take no claim when they do wrong but like to pass on to the tenant for the problems the whole complex was dealing with. 

I will pay {$400.00} but will not pay for carpet that was infested while we were there!!! 

I want this collection removed from my Daughter 's, Son 's and My credit bureau file as this is causing problems of trying to get another home ; or buying a home!!! 

They are still adding interest charges to a collection ; I believe they are not supposed to do that if it is in Collections making the collection larger and larger.!!! 

THIS IS NOT RIGHT TO DO TO THE CONSUMER!!! 

PLEASE CHECK INTO THIS FOR ME PLEASE!!! 

HUNTER AND WARFIELD - XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX fax - XXXX telephone no. XXXX or XXXX!!! 

Thank you for all your aid in this unscrupulous endeavor and behavior on behalf of the Apartment communities out here in the Country. Unethical Collection Practices on their tenants on move-out!!!

Financial Ruin of tenants to get other places to stay by putting on credit reports as open Collections!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : DISCOVER BANK Account Number : XXXX Account Type : Revolving or Option Account Status : Closed Monthly Payment : Date Opened : XX/XX/2013 Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: Mungo Financial Group
State: SD

Complaint narrative:
This company has repeatedly contacted my ex husband, his new wife, and my mother saying they are suing me. Then when I advise them I don't owe this debt, they hang up. When I try to get a proof of the debt, they simply send me a letter saying I owe so much money to a very old credit card I had. They refuse to talk to me, threaten to send people to my work, and threaten to sue me even though I have never been contacted in writing one time as but this supposed debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LendingUSA
State: FL

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : XXXX - LENDING USA Monthly Payment : {$170.00} Date Opened : XX/XX/2017 Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LendingUSA
State: FL

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : XXXX - LENDING USA Account Number : XXXX Monthly Payment : {$160.00} Date Opened : XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Contacted both XXXX  and TransUnion regarding an account that has been closed since XX/XX/XXXX but is still showing as open. When contacting these agencies, I received conflicting responses regarding the account. The account has been closed per XXXX XXXX  since XXXX. It is a XXXX XXXX XXXX account with a credit limit of {$2000.00}, opened by my wife, XXXX XXXX XXXX for which I am an authorized user. I was told that there is activity in XXXX, which is impossible, as we no longer shop at XXXX XXXX XXXX, etc. 
There is a {$0.00} balance on the account since XX/XX/XXXX. The account is not show open under her credit file. 

Please assist is having the account marked closed. 

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 2018-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a mortgage with Wells Fargo, which I have been in default with for several years. My issue with Wells Fargo is that in the early stages of the default, I called the bank and stated that I wanted a modification. In good faith, I sent them 4 payment. They in return sent me a letter stating that they would divide the arrears by 12 and add it to my current monthly mortgage payment. I knew that this was not a modification. I stated to the representative that I could not afford to catch up with the arrears at that time and I wanted a modification. I was told that I should not bother with a modification, because I would not qualify. I was struggling with child support and needed relief. 

The foreclosure started and I could not afford an attorney, so I tried the best I could to defend my rights. Wells Fargo transferred the servicing to XXXX and their attorney 's. 

About 2 months ago, I heard in the news that Wells Fargo set up a fund for loans that they should have modified in 2015, but failed to do. I feel that I am one of those people and deserve an opportunity for a modification. XXXX XXXX XXXX is unwilling, but I feel that they have an obligation to submit, or question Wells Fargo. 

My home has a value of approximately 500,000. The balance  with arrears is XXXX. I have seen mortgage statements of Wells Fargo customers with modifications. I can't understand why I wasn't given the same opportunity. 

Wells Fargo needs to review and do something about this. If they set up a fund, but know that they transferred the serving, what good is that to a consumer.

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 2018-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX, we ( my fiance and I ) submitted our mortgage information ( bank account numbers, Social Security numbers, etc. ) through a fax machine. We sent the papers to a fax number that was on a Navy Federal fax cover sheet. We received notification that it successfully went through. Navy Federal ( they ) emailed us after asking if we submitted our documents. On XX/XX/XXXX we realized that Navy Federal had not received our paperwork. We were told on XX/XX/XXXX that it was at a Navy Federal and they needed to locate the paperwork. On XX/XX/XXXX Navy Federal realized the documents were not in their possession. On XX/XX/XXXX they said they received communication from the law firm " found a fax that Navy Federal sent but they did not have our forms '' ( Navy Federal did send a fax in the beginning trying to locate the papers ). We called the law firm, not believing Navy Federal and they located our forms within 5 minutes of the start of our conversation. The law firm did destroy the papers. Navy Federal apologized however they refuse to provide any compensation or sense of security of our private information as we " did not lose any money '' and " it was a glitch in the system as to why they provided the wrong fax number. '' Attached I have my call log of who, when, the phone number and anecdotal notes of what was said. I even included the law firm 's contact information too.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Credible Labs Inc.
State: CA

Complaint narrative:
Credible got my financial info to " apply for a loan '' to refinance my student loan. The advertising was bogus, they denied me and denying me access to the reason for the denial.

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 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2018, I filed a dispute with Transunion after filing a dispute with a collection Agency ( XXXX XXXX XXXX XXXX XXXX ) regarding an item that appeared on my credit report. The collection agency agreed to have this item deleted from my credit report and sent me confirmation which is attached that this item will be deleted due to their error. All other credit unions deleted this item based on the facts and evidence presented. However, Transunion did not and inaccurate information still remain on my credit report. Despite the being provided information from the hospital collection agency stating that this item should not have been reported.

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 2018-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Contacted both Equifax and XXXX regarding an account that has been closed since XX/XX/XXXX but is still showing as open. When contacting these agencies, I received conflicting responses regarding the account. The account has been closed per XXXX XXXX since XXXX. It is a XXXX XXXX XXXX account with a credit limit of {$2000.00}, opened by my wife, XXXX XXXX XXXX for which I am an authorized user. I was told that there is activity in XXXX, which is impossible, as we no longer shop at XXXX XXXX XXXX, etc. 
There is a {$0.00} balance on the account since XX/XX/XXXX. The account is not show open under her credit file. 

Please assist is having the account marked closed. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have sent 4 dispute letters over the course of 5 months to Experian disputing items on my credit report that is inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 

XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX 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 2018-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I had a lease with XXXX XXXX XXXX that ended XXXX of 2018, I paid my last months dues and thought I was finished. XXXX claims to have sent me an invoice regarding a {$390.00} " Disposition Fee '' however I never received any letter or invoice stating how much was due. Even if the amount was due I have screen shots of my balance at {$0.00} owed and was not allowed to log back in once I made my final payment. 

I received a collection letter from an agency requesting a payment of {$390.00}, I don't want it reflecting on my credit report as I never knew this amount was due and was not informed of this in anyway. 

XXXX claims to have mailed letters but theres no proof of delivery

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have a mortgage with Wells Fargo Home Mortgage ( WFHM ) and I suspect a fraudulent attempt by WFHM to  place forced insurance on my property. Here is the timeline of events : XX/XX/2018 : WFHM advises they need to see proof of my condominium flood insurance policy. ( Letter # 1 ) XX/XX/2018 : WFHM advises they plan to purchase insurance unless proof of flood insurance is received. ( Letter # 2 ) XX/XX/2018 : I upload the requested certificate of insurance to their website, XXXX. 
XX/XX/2018 : WFHM sends a " Second and Final Notice '' ( Letter # 3 ) XX/XX/2018 : I speak with XXXX XXXX at WFHM. I also fax a copy of my condo association 's flood insurance certificate of insurance. Mr. XXXX assures me that he received the faxed documents and will update WFHM 's system. 
Around the same time, I receive a letter dated XX/XX/2018 ( Letter # 4 ) that advises that the temporary flood coverage WFHM had placed had been cancelled and that I was not charged. 
XX/XX/2018 : WFHM sends Letter # 5 advising they need to see proof of current flood insurance, yet again. 
XX/XX/2018 : I fax the documents again. I speak to no less than 4 representatives at WFHM, one who hung up on me. I was assured that I would receive a confirmation letter that WFHM had received the proof of flood insurance coverage and that no forced insurance will be placed. 
XX/XX/2018 : WFHM sends Letter # 6 which advises that " We've paid the premium for new insurance policy '' and that " we didn't anticipate paying for a new insurance policy. This could cause a shortage in [ my ] escrow account. '' The letter goes on to advise that I should contact the other carrier to cancel the insurance policy and obtain a refund. ( I can not unilaterally cancel my master condo flood insurance. ) XX/XX/2018 : I speak with yet another WFHM representative who advises that the letter was an incorrect letter and that no forced insurance was placed on my account. I request written confirmation. My matter had been escalated to the " executive office '' resolution team.

I do not care whether this is just merely incompetence or an attempt by WFHM to earn fraudulent fees and premiums. This is nothing short of harassment.

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 2018-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
I make additional principal payments every month. I also run a loan payment program to assure my numbers agree with the XXXX XXXX XXXX statements. The lender and I disagree most months by one cent, always in XXXX 's favor, but in XXXX of this year there was a significant discrepancy in the balance. I called the " contact us '' number on XX/XX/2018 and spoke with XXXX ( # XXXX ).  XXXX told me lender had moved {$530.00} in error from my principal payment to the escrow account. I told XXXX that I wanted the error corrected and I requested a written accounting of the error, correction, and balances to demonstrate I have not been injured in any manner. XXXX sid she would send an explanation and correct the problem. Neither occurred. 
On XX/XX/2018, XXXX XXXX, after holding for 42 minutes, I spoke with XXXX ( # XXXX ). I attempted to explain the error and lack of correction and lack of requested documentation. Rather than assist me, XXXX placed me back on hold until the call center closed and my call was disconnected. Twice I have sent a message through the " contact us '' at XXXX XXXX XXXX XXXX XXXX   and not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I recently information from a internet monitoring service fraudulent accounts was open, misspelling on my name and wrong addresses.

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 monetary relief
Consumer complaint received 2018-11-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently information from a internet monitoring service fraudulent accounts was open, misspelling on my name and wrong addresses.

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